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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 | $64,520 | $113,941-43.4% | $94,229-31.5% | $125,389-48.5% |
| Participation rate | 63.2% | 82.9%-19.7pp | 78.8%-15.6pp | 83.2%-20.0pp |
| Annual return | -0.91% | 5.29%-6.2pp | 10.68%-11.6pp | 282.24%-283.2pp |
| Employer contribution / active EE | $683 | $4,727-85.5% | $3,587-80.9% | $4,866-86.0% |
| Participant deferral / active EE | $3,589 | $5,179-30.7% | $4,320-16.9% | $5,352-32.9% |
| Admin fee / account holder | $4,351 | $8,392-48.2% | $6,269-30.6% | $9,541-54.4% |