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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 | $99,111 | $211,946-53.2% | $169,452-41.5% | $135,380-26.8% |
| Participation rate | 57.9% | 82.6%-24.7pp | 77.8%-19.9pp | 82.6%-24.7pp |
| Annual return | -5.17% | 3.26%-8.4pp | 1.83%-7.0pp | 519.81%-525.0pp |
| Employer contribution / active EE | $164 | $5,117-96.8% | $4,157-96.1% | $4,779-96.6% |
| Participant deferral / active EE | $1,587 | $6,075-73.9% | $5,277-69.9% | $5,609-71.7% |
| Admin fee / account holder | $1,595 | $11,472-86.1% | $9,110-82.5% | $10,828-85.3% |