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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 | $53,874 | $72,404-25.6% | $110,243-51.1% | $64,173-16.0% |
| Participation rate | 66.7% | 73.3%-6.7pp | 79.8%-13.2pp | 69.6%-2.9pp |
| Annual return | 0.86% | -6.29%+7.1pp | 314.76%-313.9pp | 7.63%-6.8pp |
| Employer contribution / active EE | $486 | $2,282-78.7% | $3,827-87.3% | $2,381-79.6% |
| Participant deferral / active EE | $2,137 | $3,469-38.4% | $4,672-54.3% | $3,470-38.4% |
| Admin fee / account holder | $8,280 | $5,664+46.2% | $8,548-3.1% | $4,887+69.4% |