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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 | $63,451 | $62,583+1.4% | $76,767-17.3% | $64,173-1.1% |
| Participation rate | 32.5% | 72.8%-40.3pp | 77.0%-44.4pp | 69.6%-37.0pp |
| Annual return | -3.77% | -1.95%-1.8pp | 2.43%-6.2pp | 7.63%-11.4pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,544 | $3,145-50.9% | $3,852-59.9% | $3,470-55.5% |
| Admin fee / account holder | $9,999 | $4,667+114.2% | $6,675+49.8% | $4,887+104.6% |