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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 | $55,220 | $167,352-67.0% | $143,788-61.6% | $134,509-58.9% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -16.88% | 0.47%-17.3pp | -0.03%-16.8pp | 418.13%-435.0pp |
| Employer contribution / active EE | $1,001 | $5,620-82.2% | $4,952-79.8% | $4,741-78.9% |
| Participant deferral / active EE | $11,585 | $6,447+79.7% | $5,638+105.5% | $6,400+81.0% |
| Admin fee / account holder | $38,839 | $18,091+114.7% | $14,675+164.7% | $11,427+239.9% |