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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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,748 | $86,701-79.5% | $73,309-75.8% | $125,389-85.8% |
| Participation rate | 47.4% | 78.6%-31.2pp | 74.9%-27.5pp | 83.2%-35.8pp |
| Annual return | -5.27% | 2.78%-8.1pp | 5.67%-10.9pp | 282.24%-287.5pp |
| Employer contribution / active EE | $0 | $4,152-100.0% | $3,237-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $5,530 | $5,549-0.3% | $4,991+10.8% | $5,352+3.3% |
| Admin fee / account holder | $526 | $7,768-93.2% | $5,635-90.7% | $9,541-94.5% |