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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 | $60,943 | $75,962-19.8% | $154,108-60.5% | $64,173-5.0% |
| Participation rate | 31.4% | 70.4%-39.0pp | 83.0%-51.6pp | 69.6%-38.1pp |
| Annual return | -7.38% | 30.32%-37.7pp | 735.21%-742.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $343 | $3,350-89.8% | $5,298-93.5% | $2,381-85.6% |
| Participant deferral / active EE | $2,172 | $3,175-31.6% | $5,081-57.2% | $3,470-37.4% |
| Admin fee / account holder | $1,591 | $5,589-71.5% | $13,411-88.1% | $4,887-67.5% |