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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 | $91,983 | $91,536+0.5% | $130,062-29.3% | $75,177+22.4% |
| Participation rate | 62.7% | 71.5%-8.7pp | 78.5%-15.8pp | 67.2%-4.5pp |
| Annual return | 20.62% | -631.62%+652.2pp | -137.37%+158.0pp | 160.75%-140.1pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,322-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,048 | $4,343-29.8% | $5,821-47.6% | $4,126-26.1% |
| Admin fee / account holder | $3,869 | $6,780-42.9% | $10,601-63.5% | $5,651-31.5% |