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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 | $134,103 | $81,870+63.8% | $119,634+12.1% | $68,490+95.8% |
| Participation rate | 67.7% | 71.9%-4.2pp | 79.3%-11.5pp | 67.9%-0.2pp |
| Annual return | -8.33% | -23.82%+15.5pp | -14.98%+6.7pp | -7.85%-0.5pp |
| Employer contribution / active EE | $396 | $2,692-85.3% | $4,232-90.6% | $2,597-84.7% |
| Participant deferral / active EE | $2,064 | $4,148-50.2% | $5,601-63.2% | $4,028-48.8% |
| Admin fee / account holder | $2,859 | $6,583-56.6% | $10,329-72.3% | $5,403-47.1% |