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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 | $29,392 | $82,674-64.4% | $125,363-76.6% | $68,495-57.1% |
| Participation rate | 51.6% | 75.0%-23.4pp | 82.4%-30.8pp | 67.9%-16.3pp |
| Annual return | -18.72% | -5.97%-12.8pp | 572.15%-590.9pp | -7.84%-10.9pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,801 | $6,111-5.1% | $7,447-22.1% | $4,028+44.0% |
| Admin fee / account holder | $705 | $6,276-88.8% | $10,005-93.0% | $5,403-86.9% |