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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 | $121,071 | $95,917+26.2% | $79,583+52.1% | $134,545-10.0% |
| Participation rate | 42.9% | 75.0%-32.2pp | 69.5%-26.6pp | 81.2%-38.4pp |
| Annual return | -19.10% | -2.70%-16.4pp | 0.16%-19.3pp | 418.37%-437.5pp |
| Employer contribution / active EE | $0 | $3,129-100.0% | $2,414-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $3,338 | $4,694-28.9% | $3,986-16.2% | $6,401-47.8% |
| Admin fee / account holder | $4,375 | $9,132-52.1% | $6,835-36.0% | $11,431-61.7% |