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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 | $121,861 | $133,998-9.1% | $112,263+8.5% | $134,545-9.4% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -9.96% | 47.17%-57.1pp | 27.49%-37.4pp | 418.37%-428.3pp |
| Employer contribution / active EE | $522 | $4,040-87.1% | $3,636-85.6% | $4,742-89.0% |
| Participant deferral / active EE | $4,476 | $5,292-15.4% | $4,729-5.4% | $6,401-30.1% |
| Admin fee / account holder | $74,144 | $7,493+889.5% | $6,410+1056.6% | $11,431+548.6% |