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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 | $34,214 | $97,732-65.0% | $83,831-59.2% | $135,380-74.7% |
| Participation rate | 64.3% | 80.0%-15.7pp | 76.1%-11.9pp | 82.6%-18.4pp |
| Annual return | -8.07% | 1287.56%-1295.6pp | 850.99%-859.1pp | 519.81%-527.9pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,631-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,289 | $4,683-29.8% | $4,082-19.4% | $5,609-41.4% |
| Admin fee / account holder | $8,802 | $6,675+31.9% | $5,479+60.7% | $10,828-18.7% |