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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 | $36,414 | $58,093-37.3% | $80,022-54.5% | $56,289-35.3% |
| Participation rate | 64.7% | 73.6%-8.9pp | 75.8%-11.1pp | 69.9%-5.1pp |
| Annual return | -4.06% | 34.63%-38.7pp | 11.22%-15.3pp | -9.96%+5.9pp |
| Employer contribution / active EE | $241 | $1,933-87.5% | $2,468-90.2% | $2,111-88.6% |
| Participant deferral / active EE | $2,191 | $3,136-30.1% | $3,686-40.6% | $3,350-34.6% |
| Admin fee / account holder | $2,549 | $623+309.4% | $6,521-60.9% | $521+389.2% |