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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 | $45,936 | $82,674-44.4% | $125,363-63.4% | $68,495-32.9% |
| Participation rate | 59.6% | 75.0%-15.5pp | 82.4%-22.8pp | 67.9%-8.3pp |
| Annual return | -18.13% | -5.97%-12.2pp | 572.15%-590.3pp | -7.84%-10.3pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,060 | $6,111-49.9% | $7,447-58.9% | $4,028-24.0% |
| Admin fee / account holder | $6,995 | $6,276+11.5% | $10,005-30.1% | $5,403+29.5% |