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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 | $56,754 | $92,219-38.5% | $76,767-26.1% | $135,380-58.1% |
| Participation rate | 66.7% | 79.8%-13.1pp | 77.0%-10.3pp | 82.6%-16.0pp |
| Annual return | -4.11% | 5.46%-9.6pp | 2.43%-6.5pp | 519.81%-523.9pp |
| Employer contribution / active EE | $389 | $3,216-87.9% | $2,485-84.4% | $4,779-91.9% |
| Participant deferral / active EE | $7,314 | $4,508+62.2% | $3,852+89.9% | $5,609+30.4% |
| Admin fee / account holder | $18,195 | $10,749+69.3% | $6,675+172.6% | $10,828+68.0% |