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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 | $221,892 | $73,867+200.4% | $143,770+54.3% | $68,498+223.9% |
| Participation rate | 64.9% | 66.7%-1.7pp | 80.3%-15.4pp | 67.9%-3.0pp |
| Annual return | -8.69% | 1.01%-9.7pp | -0.04%-8.7pp | -7.84%-0.8pp |
| Employer contribution / active EE | $272 | $3,184-91.5% | $4,951-94.5% | $2,596-89.5% |
| Participant deferral / active EE | $6,762 | $3,384+99.8% | $5,638+19.9% | $4,027+67.9% |
| Admin fee / account holder | $26,269 | $5,755+356.5% | $14,673+79.0% | $5,403+386.2% |