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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 | $82,285 | $180,459-54.4% | $154,108-46.6% | $135,380-39.2% |
| Participation rate | 60.0% | 87.4%-27.4pp | 83.0%-23.0pp | 82.6%-22.6pp |
| Annual return | -6.28% | 888.21%-894.5pp | 735.21%-741.5pp | 519.81%-526.1pp |
| Employer contribution / active EE | $1,021 | $6,035-83.1% | $5,298-80.7% | $4,779-78.6% |
| Participant deferral / active EE | $3,762 | $5,806-35.2% | $5,081-26.0% | $5,609-32.9% |
| Admin fee / account holder | $619 | $16,145-96.2% | $13,411-95.4% | $10,828-94.3% |