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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 | $54,993 | $142,361-61.4% | $119,608-54.0% | $134,509-59.1% |
| Participation rate | 60.9% | 82.8%-22.0pp | 79.3%-18.4pp | 81.2%-20.4pp |
| Annual return | -17.22% | -12.46%-4.8pp | -14.98%-2.2pp | 418.13%-435.4pp |
| Employer contribution / active EE | $542 | $5,224-89.6% | $4,232-87.2% | $4,741-88.6% |
| Participant deferral / active EE | $7,926 | $6,468+22.5% | $5,601+41.5% | $6,400+23.8% |
| Admin fee / account holder | $8,822 | $13,588-35.1% | $10,326-14.6% | $11,427-22.8% |