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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 | $23,857 | $152,591-84.4% | $117,529-79.7% | $134,545-82.3% |
| Participation rate | 38.1% | 77.1%-39.0pp | 70.6%-32.5pp | 81.2%-43.1pp |
| Annual return | -16.08% | 53.04%-69.1pp | 29.77%-45.8pp | 418.37%-434.5pp |
| Employer contribution / active EE | $0 | $5,576-100.0% | $4,179-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $3,246 | $4,821-32.7% | $4,072-20.3% | $6,401-49.3% |
| Admin fee / account holder | $1,881 | $7,004-73.2% | $5,645-66.7% | $11,431-83.5% |