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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 | $61,350 | $133,998-54.2% | $112,263-45.4% | $134,545-54.4% |
| Participation rate | 63.2% | 78.6%-15.4pp | 75.1%-11.9pp | 81.2%-18.1pp |
| Annual return | -10.55% | 47.17%-57.7pp | 27.49%-38.0pp | 418.37%-428.9pp |
| Employer contribution / active EE | $74 | $4,040-98.2% | $3,636-98.0% | $4,742-98.4% |
| Participant deferral / active EE | $4,279 | $5,292-19.2% | $4,729-9.5% | $6,401-33.2% |
| Admin fee / account holder | $2,079 | $7,493-72.3% | $6,410-67.6% | $11,431-81.8% |