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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 | $50,619 | $129,960-61.1% | $104,299-51.5% | $134,545-62.4% |
| Participation rate | 50.0% | 79.5%-29.5pp | 73.3%-23.3pp | 81.2%-31.2pp |
| Annual return | -14.95% | 42.06%-57.0pp | 24.62%-39.6pp | 418.37%-433.3pp |
| Employer contribution / active EE | $0 | $4,186-100.0% | $3,373-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $6,338 | $5,589+13.4% | $4,626+37.0% | $6,401-1.0% |
| Admin fee / account holder | $362 | $9,324-96.1% | $7,339-95.1% | $11,431-96.8% |