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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 | $15,593 | $82,324-81.1% | $68,803-77.3% | $134,545-88.4% |
| Participation rate | 55.6% | 75.1%-19.5pp | 69.0%-13.5pp | 81.2%-25.7pp |
| Annual return | -9.59% | -2.17%-7.4pp | -6.37%-3.2pp | 418.37%-428.0pp |
| Employer contribution / active EE | $110 | $3,302-96.7% | $2,656-95.8% | $4,742-97.7% |
| Participant deferral / active EE | $2,612 | $4,740-44.9% | $3,942-33.7% | $6,401-59.2% |
| Admin fee / account holder | $32,398 | $6,485+399.6% | $4,936+556.4% | $11,431+183.4% |