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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 | $62,488 | $59,819+4.5% | $79,583-21.5% | $68,490-8.8% |
| Participation rate | 56.1% | 61.1%-4.9pp | 69.5%-13.4pp | 67.9%-11.8pp |
| Annual return | -14.28% | -12.30%-2.0pp | 0.16%-14.4pp | -7.85%-6.4pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,056 | $3,025-32.0% | $3,986-48.4% | $4,028-48.9% |
| Admin fee / account holder | $2,159 | $4,835-55.4% | $6,835-68.4% | $5,403-60.0% |