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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 | $56,453 | $57,352-1.6% | $83,830-32.7% | $64,173-12.0% |
| Participation rate | 39.7% | 68.6%-28.9pp | 76.1%-36.5pp | 69.6%-29.9pp |
| Annual return | -0.08% | 11.38%-11.5pp | 850.97%-851.1pp | 7.63%-7.7pp |
| Employer contribution / active EE | $523 | $2,546-79.5% | $3,631-85.6% | $2,381-78.0% |
| Participant deferral / active EE | $1,656 | $2,993-44.7% | $4,082-59.4% | $3,470-52.3% |
| Admin fee / account holder | $1,501 | $4,046-62.9% | $5,479-72.6% | $4,887-69.3% |