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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 | $41,970 | $71,873-41.6% | $86,698-51.6% | $68,490-38.7% |
| Participation rate | 58.5% | 72.2%-13.8pp | 76.6%-18.1pp | 67.9%-9.4pp |
| Annual return | -15.95% | 3.54%-19.5pp | 35.96%-51.9pp | -7.85%-8.1pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,538 | $3,779-32.8% | $4,656-45.5% | $4,028-37.0% |
| Admin fee / account holder | $4,339 | $6,110-29.0% | $7,492-42.1% | $5,403-19.7% |