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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 | $82,015 | $82,678-0.8% | $125,391-34.6% | $68,490+19.7% |
| Participation rate | 56.8% | 75.1%-18.3pp | 82.4%-25.6pp | 67.9%-11.1pp |
| Annual return | -17.47% | -5.97%-11.5pp | 572.41%-589.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,689 | $6,111-39.6% | $7,448-50.5% | $4,028-8.4% |
| Admin fee / account holder | $3,395 | $6,277-45.9% | $10,009-66.1% | $5,403-37.2% |