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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 | $58,033 | $88,585-34.5% | $69,884-17.0% | $134,532-56.9% |
| Participation rate | 42.9% | 74.9%-32.0pp | 70.5%-27.6pp | 81.2%-38.4pp |
| Annual return | -17.27% | 442.80%-460.1pp | 190.81%-208.1pp | 418.27%-435.5pp |
| Employer contribution / active EE | $0 | $3,235-100.0% | $2,560-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $1,407 | $4,770-70.5% | $3,848-63.4% | $6,401-78.0% |
| Admin fee / account holder | $362 | $10,441-96.5% | $6,266-94.2% | $11,429-96.8% |