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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 | $56,271 | $99,032-43.2% | $80,022-29.7% | $135,380-58.4% |
| Participation rate | 66.7% | 78.4%-11.7pp | 75.8%-9.2pp | 82.6%-16.0pp |
| Annual return | -0.44% | 15.39%-15.8pp | 11.22%-11.7pp | 519.81%-520.2pp |
| Employer contribution / active EE | $195 | $3,043-93.6% | $2,468-92.1% | $4,779-95.9% |
| Participant deferral / active EE | $2,499 | $4,282-41.6% | $3,686-32.2% | $5,609-55.5% |
| Admin fee / account holder | $18,931 | $10,436+81.4% | $6,521+190.3% | $10,828+74.8% |