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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 | $105,403 | $105,867-0.4% | $90,760+16.1% | $134,532-21.7% |
| Participation rate | 53.3% | 78.3%-24.9pp | 75.7%-22.4pp | 81.2%-27.9pp |
| Annual return | -18.92% | -10.99%-7.9pp | -12.16%-6.8pp | 418.27%-437.2pp |
| Employer contribution / active EE | $0 | $3,464-100.0% | $2,922-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $2,095 | $5,217-59.8% | $4,565-54.1% | $6,401-67.3% |
| Admin fee / account holder | $1,057 | $13,936-92.4% | $8,444-87.5% | $11,429-90.8% |