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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 | $69,399 | $131,835-47.4% | $108,582-36.1% | $273,972-74.7% |
| Participation rate | 31.8% | 83.5%-51.6pp | 79.6%-47.8pp | 83.0%-51.2pp |
| Annual return | 0.00% | -91.57%+91.6pp | -51.70%+51.7pp | 41.46%-41.5pp |
| Employer contribution / active EE | $509 | $4,913-89.6% | $3,758-86.5% | $4,869-89.6% |
| Participant deferral / active EE | $1,522 | $5,127-70.3% | $4,311-64.7% | $5,287-71.2% |
| Admin fee / account holder | $1,634 | $10,253-84.1% | $7,645-78.6% | $10,133-83.9% |