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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 | $160,248 | $138,076+16.1% | $123,553+29.7% | $135,380+18.4% |
| Participation rate | 58.3% | 84.7%-26.4pp | 82.3%-24.0pp | 82.6%-24.3pp |
| Annual return | 0.00% | 153.70%-153.7pp | 119.21%-119.2pp | 519.81%-519.8pp |
| Employer contribution / active EE | $584 | $5,152-88.7% | $4,628-87.4% | $4,779-87.8% |
| Participant deferral / active EE | $5,326 | $6,800-21.7% | $6,426-17.1% | $5,609-5.0% |
| Admin fee / account holder | $1,367 | $10,917-87.5% | $9,284-85.3% | $10,828-87.4% |