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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 | $38,297 | $97,761-60.8% | $83,850-54.3% | $135,382-71.7% |
| Participation rate | 33.3% | 80.0%-46.6pp | 76.1%-42.8pp | 82.6%-49.3pp |
| Annual return | -7.91% | 1287.44%-1295.4pp | 850.92%-858.8pp | 519.77%-527.7pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,631-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $5,981 | $4,682+27.7% | $4,082+46.5% | $5,609+6.6% |
| Admin fee / account holder | $3,284 | $6,674-50.8% | $5,478-40.1% | $10,829-69.7% |