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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 | $69,087 | $57,352+20.5% | $83,831-17.6% | $64,173+7.7% |
| Participation rate | 18.6% | 68.6%-50.0pp | 76.1%-57.5pp | 69.6%-50.9pp |
| Annual return | -7.71% | 11.38%-19.1pp | 850.99%-858.7pp | 7.63%-15.3pp |
| Employer contribution / active EE | $479 | $2,546-81.2% | $3,631-86.8% | $2,381-79.9% |
| Participant deferral / active EE | $1,511 | $2,993-49.5% | $4,082-63.0% | $3,470-56.4% |
| Admin fee / account holder | $1,579 | $4,046-61.0% | $5,479-71.2% | $4,887-67.7% |