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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 | $45,909 | $142,409-67.8% | $119,634-61.6% | $134,545-65.9% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.3%-19.3pp | 81.2%-21.2pp |
| Annual return | -15.51% | -12.46%-3.0pp | -14.98%-0.5pp | 418.37%-433.9pp |
| Employer contribution / active EE | $979 | $5,224-81.3% | $4,232-76.9% | $4,742-79.4% |
| Participant deferral / active EE | $2,437 | $6,468-62.3% | $5,601-56.5% | $6,401-61.9% |
| Admin fee / account holder | $5,824 | $13,594-57.2% | $10,329-43.6% | $11,431-49.1% |