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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 | $47,500 | $167,353-71.6% | $143,797-67.0% | $134,545-64.7% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -15.29% | 0.48%-15.8pp | -0.04%-15.2pp | 418.37%-433.7pp |
| Employer contribution / active EE | $1,092 | $5,620-80.6% | $4,952-78.0% | $4,742-77.0% |
| Participant deferral / active EE | $5,429 | $6,447-15.8% | $5,638-3.7% | $6,401-15.2% |
| Admin fee / account holder | $7,201 | $18,096-60.2% | $14,679-50.9% | $11,431-37.0% |