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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 | $79,380 | $138,102-42.5% | $125,381-36.7% | $134,532-41.0% |
| Participation rate | 63.6% | 84.5%-20.9pp | 82.4%-18.7pp | 81.2%-17.6pp |
| Annual return | -12.30% | 750.73%-763.0pp | 572.31%-584.6pp | 418.27%-430.6pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,815-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $4,857 | $7,801-37.7% | $7,448-34.8% | $6,401-24.1% |
| Admin fee / account holder | $54,788 | $11,568+373.6% | $10,007+447.5% | $11,429+379.4% |