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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 | $42,244 | $64,729-34.7% | $112,263-62.4% | $68,490-38.3% |
| Participation rate | 48.5% | 67.2%-18.7pp | 75.1%-26.6pp | 67.9%-19.4pp |
| Annual return | -18.35% | -11.40%-7.0pp | 27.49%-45.8pp | -7.85%-10.5pp |
| Employer contribution / active EE | $106 | $2,746-96.1% | $3,636-97.1% | $2,597-95.9% |
| Participant deferral / active EE | $1,915 | $3,566-46.3% | $4,729-59.5% | $4,028-52.5% |
| Admin fee / account holder | $6,571 | $5,222+25.8% | $6,410+2.5% | $5,403+21.6% |