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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 | $75,838 | $131,835-42.5% | $108,582-30.2% | $273,972-72.3% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.6%-12.9pp | 83.0%-16.3pp |
| Annual return | 2.29% | -91.57%+93.9pp | -51.70%+54.0pp | 41.46%-39.2pp |
| Employer contribution / active EE | $708 | $4,913-85.6% | $3,758-81.2% | $4,869-85.5% |
| Participant deferral / active EE | $6,099 | $5,127+19.0% | $4,311+41.5% | $5,287+15.4% |
| Admin fee / account holder | $348 | $10,253-96.6% | $7,645-95.5% | $10,133-96.6% |