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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 | $48,515 | $82,678-41.3% | $125,391-61.3% | $68,490-29.2% |
| Participation rate | 68.0% | 75.1%-7.1pp | 82.4%-14.4pp | 67.9%+0.1pp |
| Annual return | -16.07% | -5.97%-10.1pp | 572.41%-588.5pp | -7.85%-8.2pp |
| Employer contribution / active EE | $216 | $3,382-93.6% | $4,816-95.5% | $2,597-91.7% |
| Participant deferral / active EE | $2,706 | $6,111-55.7% | $7,448-63.7% | $4,028-32.8% |
| Admin fee / account holder | $12,497 | $6,277+99.1% | $10,009+24.9% | $5,403+131.3% |