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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 | $60,612 | $167,533-63.8% | $151,645-60.0% | $134,545-55.0% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.5%-37.5pp | 81.2%-31.2pp |
| Annual return | -20.97% | 7.81%-28.8pp | 3.34%-24.3pp | 418.37%-439.3pp |
| Employer contribution / active EE | $188 | $6,828-97.3% | $6,165-97.0% | $4,742-96.0% |
| Participant deferral / active EE | $10,681 | $8,985+18.9% | $8,363+27.7% | $6,401+66.9% |
| Admin fee / account holder | $9,006 | $13,781-34.6% | $11,614-22.5% | $11,431-21.2% |