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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 | $162,319 | $142,392+14.0% | $119,622+35.7% | $134,532+20.7% |
| Participation rate | 41.7% | 82.8%-41.2pp | 79.3%-37.6pp | 81.2%-39.6pp |
| Annual return | -14.76% | -12.46%-2.3pp | -14.98%+0.2pp | 418.27%-433.0pp |
| Employer contribution / active EE | $978 | $5,224-81.3% | $4,232-76.9% | $4,741-79.4% |
| Participant deferral / active EE | $3,351 | $6,467-48.2% | $5,601-40.2% | $6,401-47.7% |
| Admin fee / account holder | $687 | $13,593-94.9% | $10,328-93.3% | $11,429-94.0% |