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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 | $37,234 | $138,102-73.0% | $125,381-70.3% | $134,532-72.3% |
| Participation rate | 68.8% | 84.5%-15.7pp | 82.4%-13.6pp | 81.2%-12.5pp |
| Annual return | -19.97% | 750.73%-770.7pp | 572.31%-592.3pp | 418.27%-438.2pp |
| Employer contribution / active EE | $299 | $5,245-94.3% | $4,815-93.8% | $4,741-93.7% |
| Participant deferral / active EE | $4,433 | $7,801-43.2% | $7,448-40.5% | $6,401-30.7% |
| Admin fee / account holder | $5,415 | $11,568-53.2% | $10,007-45.9% | $11,429-52.6% |