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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 | $68,464 | $135,645-49.5% | $110,243-37.9% | $135,380-49.4% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.8%-13.2pp | 82.6%-16.0pp |
| Annual return | -4.93% | 513.24%-518.2pp | 314.76%-319.7pp | 519.81%-524.7pp |
| Employer contribution / active EE | $677 | $4,907-86.2% | $3,827-82.3% | $4,779-85.8% |
| Participant deferral / active EE | $16,000 | $5,507+190.5% | $4,672+242.5% | $5,609+185.3% |
| Admin fee / account holder | $717 | $11,458-93.7% | $8,548-91.6% | $10,828-93.4% |