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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 | $42,669 | $72,404-41.1% | $110,241-61.3% | $64,181-33.5% |
| Participation rate | 59.4% | 73.3%-14.0pp | 79.8%-20.4pp | 69.6%-10.2pp |
| Annual return | -6.22% | -6.29%+0.1pp | 314.75%-321.0pp | 7.63%-13.9pp |
| Employer contribution / active EE | $292 | $2,282-87.2% | $3,827-92.4% | $2,381-87.7% |
| Participant deferral / active EE | $2,756 | $3,469-20.6% | $4,672-41.0% | $3,470-20.6% |
| Admin fee / account holder | $5,183 | $5,664-8.5% | $8,548-39.4% | $4,887+6.0% |