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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 | $36,357 | $59,834-39.2% | $79,576-54.3% | $68,495-46.9% |
| Participation rate | 46.4% | 61.1%-14.7pp | 69.5%-23.1pp | 67.9%-21.5pp |
| Annual return | -10.12% | -12.30%+2.2pp | 0.15%-10.3pp | -7.84%-2.3pp |
| Employer contribution / active EE | $120 | $1,505-92.1% | $2,413-95.0% | $2,596-95.4% |
| Participant deferral / active EE | $3,138 | $3,024+3.8% | $3,985-21.3% | $4,028-22.1% |
| Admin fee / account holder | $2,367 | $4,835-51.0% | $6,834-65.4% | $5,403-56.2% |