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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 | $25,131 | $64,729-61.2% | $112,263-77.6% | $68,490-63.3% |
| Participation rate | 52.5% | 67.2%-14.7pp | 75.1%-22.6pp | 67.9%-15.4pp |
| Annual return | -8.61% | -11.40%+2.8pp | 27.49%-36.1pp | -7.85%-0.8pp |
| Employer contribution / active EE | $401 | $2,746-85.4% | $3,636-89.0% | $2,597-84.6% |
| Participant deferral / active EE | $2,994 | $3,566-16.0% | $4,729-36.7% | $4,028-25.7% |
| Admin fee / account holder | $1,364 | $5,222-73.9% | $6,410-78.7% | $5,403-74.8% |