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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 | $94,628 | $131,835-28.2% | $108,582-12.9% | $273,972-65.5% |
| Participation rate | 54.5% | 83.5%-28.9pp | 79.6%-25.0pp | 83.0%-28.5pp |
| Annual return | 8.60% | -91.57%+100.2pp | -51.70%+60.3pp | 41.46%-32.9pp |
| Employer contribution / active EE | $0 | $4,913-100.0% | $3,758-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $7,369 | $5,127+43.7% | $4,311+70.9% | $5,287+39.4% |
| Admin fee / account holder | $4,184 | $10,253-59.2% | $7,645-45.3% | $10,133-58.7% |