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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 | $31,910 | $48,267-33.9% | $68,808-53.6% | $68,486-53.4% |
| Participation rate | 32.1% | 60.7%-28.5pp | 69.0%-36.9pp | 67.9%-35.8pp |
| Annual return | -17.10% | -12.70%-4.4pp | -6.37%-10.7pp | -7.85%-9.2pp |
| Employer contribution / active EE | $317 | $1,829-82.7% | $2,656-88.1% | $2,597-87.8% |
| Participant deferral / active EE | $1,246 | $2,867-56.5% | $3,942-68.4% | $4,028-69.1% |
| Admin fee / account holder | $576 | $4,362-86.8% | $4,936-88.3% | $5,404-89.3% |