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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 | $41,842 | $133,998-68.8% | $112,263-62.7% | $134,545-68.9% |
| Participation rate | 61.5% | 78.6%-17.0pp | 75.1%-13.5pp | 81.2%-19.7pp |
| Annual return | -16.62% | 47.17%-63.8pp | 27.49%-44.1pp | 418.37%-435.0pp |
| Employer contribution / active EE | $696 | $4,040-82.8% | $3,636-80.9% | $4,742-85.3% |
| Participant deferral / active EE | $4,952 | $5,292-6.4% | $4,729+4.7% | $6,401-22.6% |
| Admin fee / account holder | $4,244 | $7,493-43.4% | $6,410-33.8% | $11,431-62.9% |