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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 | $37,173 | $57,352-35.2% | $83,831-55.7% | $64,173-42.1% |
| Participation rate | 46.4% | 68.6%-22.2pp | 76.1%-29.7pp | 69.6%-23.1pp |
| Annual return | -6.51% | 11.38%-17.9pp | 850.99%-857.5pp | 7.63%-14.1pp |
| Employer contribution / active EE | $55 | $2,546-97.8% | $3,631-98.5% | $2,381-97.7% |
| Participant deferral / active EE | $2,317 | $2,993-22.6% | $4,082-43.2% | $3,470-33.2% |
| Admin fee / account holder | $400 | $4,046-90.1% | $5,479-92.7% | $4,887-91.8% |