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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 | $55,079 | $167,353-67.1% | $143,797-61.7% | $134,545-59.1% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -17.84% | 0.48%-18.3pp | -0.04%-17.8pp | 418.37%-436.2pp |
| Employer contribution / active EE | $596 | $5,620-89.4% | $4,952-88.0% | $4,742-87.4% |
| Participant deferral / active EE | $2,707 | $6,447-58.0% | $5,638-52.0% | $6,401-57.7% |
| Admin fee / account holder | $2,793 | $18,096-84.6% | $14,679-81.0% | $11,431-75.6% |