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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 | $40,241 | $138,078-70.9% | $125,363-67.9% | $134,509-70.1% |
| Participation rate | 63.6% | 84.5%-20.9pp | 82.4%-18.7pp | 81.2%-17.6pp |
| Annual return | -18.41% | 750.49%-768.9pp | 572.15%-590.6pp | 418.13%-436.5pp |
| Employer contribution / active EE | $391 | $5,245-92.6% | $4,815-91.9% | $4,741-91.8% |
| Participant deferral / active EE | $4,639 | $7,800-40.5% | $7,447-37.7% | $6,400-27.5% |
| Admin fee / account holder | $349 | $11,566-97.0% | $10,005-96.5% | $11,427-96.9% |