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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 | $85,716 | $138,102-37.9% | $125,381-31.6% | $134,532-36.3% |
| Participation rate | 59.1% | 84.5%-25.4pp | 82.4%-23.3pp | 81.2%-22.1pp |
| Annual return | -13.29% | 750.73%-764.0pp | 572.31%-585.6pp | 418.27%-431.6pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,815-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $3,366 | $7,801-56.8% | $7,448-54.8% | $6,401-47.4% |
| Admin fee / account holder | $64,448 | $11,568+457.1% | $10,007+544.0% | $11,429+463.9% |