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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 | $62,384 | $39,798+56.8% | $67,704-7.9% | $59,633+4.6% |
| Participation rate | 45.1% | 57.4%-12.2pp | 67.5%-22.4pp | 68.7%-23.5pp |
| Annual return | -2.69% | 89.94%-92.6pp | 25.41%-28.1pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,551 | $2,335+9.3% | $3,585-28.8% | $3,192-20.1% |
| Admin fee / account holder | $3,483 | $3,212+8.4% | $4,255-18.1% | $4,297-18.9% |