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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 | $149,437 | $97,732+52.9% | $83,831+78.3% | $135,380+10.4% |
| Participation rate | 43.8% | 80.0%-36.2pp | 76.1%-32.4pp | 82.6%-38.9pp |
| Annual return | -5.10% | 1287.56%-1292.7pp | 850.99%-856.1pp | 519.81%-524.9pp |
| Employer contribution / active EE | $246 | $4,222-94.2% | $3,631-93.2% | $4,779-94.9% |
| Participant deferral / active EE | $2,816 | $4,683-39.9% | $4,082-31.0% | $5,609-49.8% |
| Admin fee / account holder | $57,182 | $6,675+756.7% | $5,479+943.7% | $10,828+428.1% |