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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 | $55,271 | $57,352-3.6% | $83,831-34.1% | $64,173-13.9% |
| Participation rate | 37.8% | 68.6%-30.8pp | 76.1%-38.3pp | 69.6%-31.7pp |
| Annual return | -6.94% | 11.38%-18.3pp | 850.99%-857.9pp | 7.63%-14.6pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,570 | $2,993-14.1% | $4,082-37.0% | $3,470-25.9% |
| Admin fee / account holder | $2,412 | $4,046-40.4% | $5,479-56.0% | $4,887-50.6% |