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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 | $74,111 | $135,639-45.4% | $110,241-32.8% | $135,382-45.3% |
| Participation rate | 55.0% | 83.5%-28.5pp | 79.8%-24.8pp | 82.6%-27.6pp |
| Annual return | -5.21% | 513.21%-518.4pp | 314.75%-320.0pp | 519.77%-525.0pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $5,623 | $5,507+2.1% | $4,672+20.3% | $5,609+0.2% |
| Admin fee / account holder | $18,775 | $11,457+63.9% | $8,548+119.7% | $10,829+73.4% |