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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 | $66,046 | $167,353-60.5% | $143,797-54.1% | $134,545-50.9% |
| Participation rate | 31.3% | 84.8%-53.6pp | 80.3%-49.1pp | 81.2%-50.0pp |
| Annual return | -16.21% | 0.48%-16.7pp | -0.04%-16.2pp | 418.37%-434.6pp |
| Employer contribution / active EE | $557 | $5,620-90.1% | $4,952-88.7% | $4,742-88.2% |
| Participant deferral / active EE | $2,984 | $6,447-53.7% | $5,638-47.1% | $6,401-53.4% |
| Admin fee / account holder | $894 | $18,096-95.1% | $14,679-93.9% | $11,431-92.2% |