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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 | $72,150 | $131,835-45.3% | $108,582-33.6% | $273,972-73.7% |
| Participation rate | 64.7% | 83.5%-18.7pp | 79.6%-14.9pp | 83.0%-18.3pp |
| Annual return | 5.73% | -91.57%+97.3pp | -51.70%+57.4pp | 41.46%-35.7pp |
| Employer contribution / active EE | $727 | $4,913-85.2% | $3,758-80.7% | $4,869-85.1% |
| Participant deferral / active EE | $4,281 | $5,127-16.5% | $4,311-0.7% | $5,287-19.0% |
| Admin fee / account holder | $3,979 | $10,253-61.2% | $7,645-47.9% | $10,133-60.7% |