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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 | $105,096 | $73,863+42.3% | $143,797-26.9% | $68,490+53.4% |
| Participation rate | 43.8% | 66.7%-22.9pp | 80.3%-36.6pp | 67.9%-24.1pp |
| Annual return | -13.69% | 0.91%-14.6pp | -0.04%-13.7pp | -7.85%-5.8pp |
| Employer contribution / active EE | $7 | $3,185-99.8% | $4,952-99.9% | $2,597-99.7% |
| Participant deferral / active EE | $2,972 | $3,385-12.2% | $5,638-47.3% | $4,028-26.2% |
| Admin fee / account holder | $30,924 | $5,756+437.3% | $14,679+110.7% | $5,403+472.4% |