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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 | $121,586 | $142,409-14.6% | $119,634+1.6% | $134,545-9.6% |
| Participation rate | 68.8% | 82.8%-14.1pp | 79.3%-10.5pp | 81.2%-12.5pp |
| Annual return | -15.87% | -12.46%-3.4pp | -14.98%-0.9pp | 418.37%-434.2pp |
| Employer contribution / active EE | $0 | $5,224-100.0% | $4,232-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $2,956 | $6,468-54.3% | $5,601-47.2% | $6,401-53.8% |
| Admin fee / account holder | $615 | $13,594-95.5% | $10,329-94.0% | $11,431-94.6% |