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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 | $40,884 | $135,639-69.9% | $110,241-62.9% | $135,382-69.8% |
| Participation rate | 50.0% | 83.5%-33.5pp | 79.8%-29.8pp | 82.6%-32.6pp |
| Annual return | -6.60% | 513.21%-519.8pp | 314.75%-321.3pp | 519.77%-526.4pp |
| Employer contribution / active EE | $335 | $4,907-93.2% | $3,827-91.3% | $4,779-93.0% |
| Participant deferral / active EE | $6,508 | $5,507+18.2% | $4,672+39.3% | $5,609+16.0% |
| Admin fee / account holder | $27,618 | $11,457+141.0% | $8,548+223.1% | $10,829+155.0% |