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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 | $74,243 | $135,645-45.3% | $110,243-32.7% | $135,379-45.2% |
| Participation rate | 63.6% | 83.5%-19.8pp | 79.8%-16.2pp | 82.6%-19.0pp |
| Annual return | -7.51% | 513.24%-520.7pp | 314.76%-322.3pp | 519.79%-527.3pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $6,827 | $5,507+24.0% | $4,672+46.1% | $5,609+21.7% |
| Admin fee / account holder | $12,669 | $11,458+10.6% | $8,548+48.2% | $10,828+17.0% |