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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 | $59,621 | $99,647-40.2% | $86,439-31.0% | $134,509-55.7% |
| Participation rate | 63.6% | 82.1%-18.4pp | 80.3%-16.7pp | 81.2%-17.6pp |
| Annual return | -18.81% | 6784.13%-6802.9pp | 4395.55%-4414.4pp | 418.13%-436.9pp |
| Employer contribution / active EE | $405 | $4,401-90.8% | $3,769-89.3% | $4,741-91.5% |
| Participant deferral / active EE | $8,094 | $7,246+11.7% | $6,952+16.4% | $6,400+26.5% |
| Admin fee / account holder | $9,442 | $8,373+12.8% | $6,732+40.3% | $11,427-17.4% |