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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 | $64,587 | $167,533-61.4% | $151,645-57.4% | $134,545-52.0% |
| Participation rate | 58.3% | 88.4%-30.0pp | 87.5%-29.2pp | 81.2%-22.9pp |
| Annual return | -20.56% | 7.81%-28.4pp | 3.34%-23.9pp | 418.37%-438.9pp |
| Employer contribution / active EE | $0 | $6,828-100.0% | $6,165-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $12,595 | $8,985+40.2% | $8,363+50.6% | $6,401+96.8% |
| Admin fee / account holder | $5,115 | $13,781-62.9% | $11,614-56.0% | $11,431-55.2% |