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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 | $61,931 | $77,816-20.4% | $123,549-49.9% | $64,181-3.5% |
| Participation rate | 62.8% | 74.7%-11.9pp | 82.3%-19.5pp | 69.6%-6.8pp |
| Annual return | -6.09% | 12.49%-18.6pp | 119.20%-125.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $162 | $3,014-94.6% | $4,628-96.5% | $2,381-93.2% |
| Participant deferral / active EE | $3,454 | $5,240-34.1% | $6,426-46.2% | $3,470-0.4% |
| Admin fee / account holder | $754 | $5,519-86.3% | $9,284-91.9% | $4,887-84.6% |