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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 | $72,488 | $97,729-25.8% | $83,830-13.5% | $135,379-46.5% |
| Participation rate | 58.3% | 80.0%-21.6pp | 76.1%-17.8pp | 82.6%-24.3pp |
| Annual return | -4.62% | 1287.52%-1292.1pp | 850.97%-855.6pp | 519.79%-524.4pp |
| Employer contribution / active EE | $399 | $4,222-90.5% | $3,631-89.0% | $4,779-91.6% |
| Participant deferral / active EE | $1,598 | $4,683-65.9% | $4,082-60.9% | $5,609-71.5% |
| Admin fee / account holder | $4,332 | $6,674-35.1% | $5,479-20.9% | $10,828-60.0% |