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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 | $36,712 | $97,729-62.4% | $83,830-56.2% | $135,379-72.9% |
| Participation rate | 42.9% | 80.0%-37.1pp | 76.1%-33.3pp | 82.6%-39.8pp |
| Annual return | -8.51% | 1287.52%-1296.0pp | 850.97%-859.5pp | 519.79%-528.3pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,631-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,959 | $4,683-15.4% | $4,082-3.0% | $5,609-29.4% |
| Admin fee / account holder | $1,007 | $6,674-84.9% | $5,479-81.6% | $10,828-90.7% |