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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 | $81,815 | $82,674-1.0% | $125,381-34.7% | $68,486+19.5% |
| Participation rate | 38.7% | 75.1%-36.3pp | 82.4%-43.7pp | 67.9%-29.2pp |
| Annual return | -16.30% | -5.97%-10.3pp | 572.31%-588.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,845 | $6,111-4.3% | $7,448-21.5% | $4,028+45.1% |
| Admin fee / account holder | $13,842 | $6,277+120.5% | $10,007+38.3% | $5,404+156.1% |