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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 | $119,913 | $167,522-28.4% | $151,639-20.9% | $134,532-10.9% |
| Participation rate | 30.0% | 88.4%-58.4pp | 87.5%-57.5pp | 81.2%-51.2pp |
| Annual return | -18.37% | 7.81%-26.2pp | 3.34%-21.7pp | 418.27%-436.6pp |
| Employer contribution / active EE | $620 | $6,828-90.9% | $6,165-89.9% | $4,741-86.9% |
| Participant deferral / active EE | $5,537 | $8,986-38.4% | $8,363-33.8% | $6,401-13.5% |
| Admin fee / account holder | $2,525 | $13,780-81.7% | $11,613-78.3% | $11,429-77.9% |