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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 | $63,403 | $59,819+6.0% | $79,583-20.3% | $68,490-7.4% |
| Participation rate | 59.4% | 61.1%-1.7pp | 69.5%-10.1pp | 67.9%-8.5pp |
| Annual return | -18.33% | -12.30%-6.0pp | 0.16%-18.5pp | -7.85%-10.5pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,431 | $3,025+13.4% | $3,986-13.9% | $4,028-14.8% |
| Admin fee / account holder | $5,331 | $4,835+10.3% | $6,835-22.0% | $5,403-1.3% |