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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 | $36,385 | $211,946-82.8% | $169,452-78.5% | $135,382-73.1% |
| Participation rate | 39.1% | 82.6%-43.5pp | 77.8%-38.7pp | 82.6%-43.5pp |
| Annual return | -5.88% | 3.26%-9.1pp | 1.83%-7.7pp | 519.77%-525.7pp |
| Employer contribution / active EE | $0 | $5,117-100.0% | $4,157-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,447 | $6,075-43.3% | $5,277-34.7% | $5,609-38.5% |
| Admin fee / account holder | $401 | $11,472-96.5% | $9,110-95.6% | $10,829-96.3% |