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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 | $114,016 | $180,459-36.8% | $154,108-26.0% | $135,380-15.8% |
| Participation rate | 55.6% | 87.4%-31.9pp | 83.0%-27.5pp | 82.6%-27.1pp |
| Annual return | -5.72% | 888.21%-893.9pp | 735.21%-740.9pp | 519.81%-525.5pp |
| Employer contribution / active EE | $1,064 | $6,035-82.4% | $5,298-79.9% | $4,779-77.7% |
| Participant deferral / active EE | $3,184 | $5,806-45.2% | $5,081-37.3% | $5,609-43.2% |
| Admin fee / account holder | $1,955 | $16,145-87.9% | $13,411-85.4% | $10,828-81.9% |