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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 | $47,168 | $142,392-66.9% | $119,622-60.6% | $134,532-64.9% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -19.04% | -12.46%-6.6pp | -14.98%-4.1pp | 418.27%-437.3pp |
| Employer contribution / active EE | $727 | $5,224-86.1% | $4,232-82.8% | $4,741-84.7% |
| Participant deferral / active EE | $5,217 | $6,467-19.3% | $5,601-6.9% | $6,401-18.5% |
| Admin fee / account holder | $11,842 | $13,593-12.9% | $10,328+14.7% | $11,429+3.6% |