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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $111,972 | $142,392-21.4% | $119,622-6.4% | $134,532-16.8% |
| Participation rate | 64.3% | 82.8%-18.5pp | 79.3%-15.0pp | 81.2%-16.9pp |
| Annual return | -14.48% | -12.46%-2.0pp | -14.98%+0.5pp | 418.27%-432.8pp |
| Employer contribution / active EE | $586 | $5,224-88.8% | $4,232-86.2% | $4,741-87.6% |
| Participant deferral / active EE | $3,407 | $6,467-47.3% | $5,601-39.2% | $6,401-46.8% |
| Admin fee / account holder | $17,737 | $13,593+30.5% | $10,328+71.7% | $11,429+55.2% |