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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 | $27,607 | $167,353-83.5% | $143,797-80.8% | $134,545-79.5% |
| Participation rate | 57.9% | 84.8%-26.9pp | 80.3%-22.4pp | 81.2%-23.3pp |
| Annual return | -16.36% | 0.48%-16.8pp | -0.04%-16.3pp | 418.37%-434.7pp |
| Employer contribution / active EE | $969 | $5,620-82.8% | $4,952-80.4% | $4,742-79.6% |
| Participant deferral / active EE | $4,158 | $6,447-35.5% | $5,638-26.3% | $6,401-35.0% |
| Admin fee / account holder | $2,811 | $18,096-84.5% | $14,679-80.8% | $11,431-75.4% |