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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 | $67,782 | $64,729+4.7% | $112,263-39.6% | $68,490-1.0% |
| Participation rate | 48.0% | 67.2%-19.2pp | 75.1%-27.1pp | 67.9%-19.9pp |
| Annual return | -17.00% | -11.40%-5.6pp | 27.49%-44.5pp | -7.85%-9.1pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,432 | $3,566-3.7% | $4,729-27.4% | $4,028-14.8% |
| Admin fee / account holder | $1,277 | $5,222-75.6% | $6,410-80.1% | $5,403-76.4% |