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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 | $33,261 | $138,076-75.9% | $123,553-73.1% | $135,380-75.4% |
| Participation rate | 60.0% | 84.7%-24.7pp | 82.3%-22.3pp | 82.6%-22.6pp |
| Annual return | -8.98% | 153.70%-162.7pp | 119.21%-128.2pp | 519.81%-528.8pp |
| Employer contribution / active EE | $883 | $5,152-82.9% | $4,628-80.9% | $4,779-81.5% |
| Participant deferral / active EE | $3,727 | $6,800-45.2% | $6,426-42.0% | $5,609-33.6% |
| Admin fee / account holder | $3,237 | $10,917-70.4% | $9,284-65.1% | $10,828-70.1% |