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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 | $17,833 | $138,102-87.1% | $125,381-85.8% | $134,532-86.7% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -18.47% | 750.73%-769.2pp | 572.31%-590.8pp | 418.27%-436.7pp |
| Employer contribution / active EE | $686 | $5,245-86.9% | $4,815-85.7% | $4,741-85.5% |
| Participant deferral / active EE | $6,381 | $7,801-18.2% | $7,448-14.3% | $6,401-0.3% |
| Admin fee / account holder | $900 | $11,568-92.2% | $10,007-91.0% | $11,429-92.1% |