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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 | $30,676 | $59,819-48.7% | $79,583-61.5% | $68,490-55.2% |
| Participation rate | 45.2% | 61.1%-15.9pp | 69.5%-24.3pp | 67.9%-22.7pp |
| Annual return | -8.93% | -12.30%+3.4pp | 0.16%-9.1pp | -7.85%-1.1pp |
| Employer contribution / active EE | $75 | $1,505-95.0% | $2,414-96.9% | $2,597-97.1% |
| Participant deferral / active EE | $1,769 | $3,025-41.5% | $3,986-55.6% | $4,028-56.1% |
| Admin fee / account holder | $335 | $4,835-93.1% | $6,835-95.1% | $5,403-93.8% |