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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 | $80,208 | $138,076-41.9% | $123,553-35.1% | $135,380-40.8% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -4.90% | 153.70%-158.6pp | 119.21%-124.1pp | 519.81%-524.7pp |
| Employer contribution / active EE | $821 | $5,152-84.1% | $4,628-82.3% | $4,779-82.8% |
| Participant deferral / active EE | $5,785 | $6,800-14.9% | $6,426-10.0% | $5,609+3.1% |
| Admin fee / account holder | $3,449 | $10,917-68.4% | $9,284-62.8% | $10,828-68.1% |