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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 | $63,904 | $56,197+13.7% | $67,652-5.5% | $59,633+7.2% |
| Participation rate | 52.1% | 71.5%-19.4pp | 75.7%-23.6pp | 68.7%-16.6pp |
| Annual return | -0.12% | 18508.10%-18508.2pp | 6625.40%-6625.5pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $210 | $1,615-87.0% | $2,266-90.7% | $2,203-90.5% |
| Participant deferral / active EE | $1,573 | $2,844-44.7% | $3,560-55.8% | $3,192-50.7% |
| Admin fee / account holder | $10,594 | $3,958+167.7% | $4,821+119.8% | $4,297+146.5% |