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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 | $34,592 | $97,761-64.6% | $83,850-58.7% | $135,382-74.4% |
| Participation rate | 53.8% | 80.0%-26.1pp | 76.1%-22.3pp | 82.6%-28.8pp |
| Annual return | -7.25% | 1287.44%-1294.7pp | 850.92%-858.2pp | 519.77%-527.0pp |
| Employer contribution / active EE | $591 | $4,222-86.0% | $3,631-83.7% | $4,779-87.6% |
| Participant deferral / active EE | $3,118 | $4,682-33.4% | $4,082-23.6% | $5,609-44.4% |
| Admin fee / account holder | $2,635 | $6,674-60.5% | $5,478-51.9% | $10,829-75.7% |