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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 | $16,549 | $56,339-70.6% | $104,301-84.1% | $68,486-75.8% |
| Participation rate | 41.5% | 63.3%-21.8pp | 73.3%-31.8pp | 67.9%-26.4pp |
| Annual return | -13.62% | -9.19%-4.4pp | 24.61%-38.2pp | -7.85%-5.8pp |
| Employer contribution / active EE | $302 | $1,960-84.6% | $3,373-91.1% | $2,597-88.4% |
| Participant deferral / active EE | $1,842 | $3,077-40.1% | $4,626-60.2% | $4,028-54.3% |
| Admin fee / account holder | $7,835 | $4,902+59.8% | $7,340+6.7% | $5,404+45.0% |