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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 | $63,656 | $180,462-64.7% | $154,111-58.7% | $135,379-53.0% |
| Participation rate | 56.3% | 87.4%-31.2pp | 83.0%-26.8pp | 82.6%-26.4pp |
| Annual return | -8.71% | 888.17%-896.9pp | 735.18%-743.9pp | 519.79%-528.5pp |
| Employer contribution / active EE | $842 | $6,036-86.1% | $5,298-84.1% | $4,779-82.4% |
| Participant deferral / active EE | $3,348 | $5,806-42.3% | $5,081-34.1% | $5,609-40.3% |
| Admin fee / account holder | $3,772 | $16,145-76.6% | $13,411-71.9% | $10,828-65.2% |