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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 | $95,788 | $92,743+3.3% | $82,744+15.8% | $134,532-28.8% |
| Participation rate | 8.7% | 75.2%-66.5pp | 72.6%-63.9pp | 81.2%-72.5pp |
| Annual return | -17.66% | 946.63%-964.3pp | 702.22%-719.9pp | 418.27%-435.9pp |
| Employer contribution / active EE | $249 | $3,273-92.4% | $3,008-91.7% | $4,741-94.7% |
| Participant deferral / active EE | $1,278 | $4,802-73.4% | $4,395-70.9% | $6,401-80.0% |
| Admin fee / account holder | $1,750 | $5,977-70.7% | $5,325-67.1% | $11,429-84.7% |