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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 | $92,612 | $167,533-44.7% | $151,645-38.9% | $134,545-31.2% |
| Participation rate | 42.9% | 88.4%-45.5pp | 87.5%-44.6pp | 81.2%-38.4pp |
| Annual return | -20.66% | 7.81%-28.5pp | 3.34%-24.0pp | 418.37%-439.0pp |
| Employer contribution / active EE | $1,359 | $6,828-80.1% | $6,165-78.0% | $4,742-71.3% |
| Participant deferral / active EE | $8,210 | $8,985-8.6% | $8,363-1.8% | $6,401+28.3% |
| Admin fee / account holder | $453 | $13,781-96.7% | $11,614-96.1% | $11,431-96.0% |