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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 | $46,490 | $138,075-66.3% | $123,552-62.4% | $135,379-65.7% |
| Participation rate | 35.7% | 84.7%-49.0pp | 82.3%-46.6pp | 82.6%-46.9pp |
| Annual return | -3.06% | 153.70%-156.8pp | 119.20%-122.3pp | 519.79%-522.8pp |
| Employer contribution / active EE | $175 | $5,152-96.6% | $4,628-96.2% | $4,779-96.3% |
| Participant deferral / active EE | $3,708 | $6,800-45.5% | $6,426-42.3% | $5,609-33.9% |
| Admin fee / account holder | $336 | $10,917-96.9% | $9,285-96.4% | $10,828-96.9% |