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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 | $41,116 | $45,872-10.4% | $77,100-46.7% | $68,490-40.0% |
| Participation rate | 27.9% | 55.9%-28.0pp | 67.9%-40.0pp | 67.9%-40.0pp |
| Annual return | -16.18% | 1.73%-17.9pp | 42.35%-58.5pp | -7.85%-8.3pp |
| Employer contribution / active EE | $246 | $1,650-85.1% | $2,815-91.3% | $2,597-90.5% |
| Participant deferral / active EE | $1,100 | $2,963-62.9% | $4,430-75.2% | $4,028-72.7% |
| Admin fee / account holder | $2,887 | $3,041-5.1% | $5,443-47.0% | $5,403-46.6% |