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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 | $59,167 | $105,866-44.1% | $90,766-34.8% | $134,545-56.0% |
| Participation rate | 47.6% | 78.3%-30.6pp | 75.7%-28.1pp | 81.2%-33.6pp |
| Annual return | -17.03% | -10.99%-6.0pp | -12.16%-4.9pp | 418.37%-435.4pp |
| Employer contribution / active EE | $610 | $3,464-82.4% | $2,922-79.1% | $4,742-87.1% |
| Participant deferral / active EE | $2,755 | $5,217-47.2% | $4,565-39.6% | $6,401-57.0% |
| Admin fee / account holder | $801 | $13,938-94.3% | $8,446-90.5% | $11,431-93.0% |