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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 | $28,894 | $167,352-82.7% | $143,788-79.9% | $134,509-78.5% |
| Participation rate | 28.6% | 84.8%-56.2pp | 80.3%-51.7pp | 81.2%-52.7pp |
| Annual return | -19.77% | 0.47%-20.2pp | -0.03%-19.7pp | 418.13%-437.9pp |
| Employer contribution / active EE | $698 | $5,620-87.6% | $4,952-85.9% | $4,741-85.3% |
| Participant deferral / active EE | $2,478 | $6,447-61.6% | $5,638-56.0% | $6,400-61.3% |
| Admin fee / account holder | $428 | $18,091-97.6% | $14,675-97.1% | $11,427-96.3% |