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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 | $99,006 | $167,353-40.8% | $143,797-31.1% | $134,545-26.4% |
| Participation rate | 16.7% | 84.8%-68.2pp | 80.3%-63.7pp | 81.2%-64.6pp |
| Annual return | -17.52% | 0.48%-18.0pp | -0.04%-17.5pp | 418.37%-435.9pp |
| Employer contribution / active EE | $846 | $5,620-85.0% | $4,952-82.9% | $4,742-82.2% |
| Participant deferral / active EE | $2,748 | $6,447-57.4% | $5,638-51.3% | $6,401-57.1% |
| Admin fee / account holder | $524 | $18,096-97.1% | $14,679-96.4% | $11,431-95.4% |