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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 | $67,538 | $168,636-60.0% | $147,618-54.2% | $125,388-46.1% |
| Participation rate | 69.2% | 88.8%-19.5pp | 84.6%-15.4pp | 83.2%-14.0pp |
| Annual return | -2.19% | 77.65%-79.8pp | 61.98%-64.2pp | 282.24%-284.4pp |
| Employer contribution / active EE | $817 | $6,252-86.9% | $5,565-85.3% | $4,866-83.2% |
| Participant deferral / active EE | $3,178 | $5,507-42.3% | $4,895-35.1% | $5,352-40.6% |
| Admin fee / account holder | $20,828 | $13,580+53.4% | $11,612+79.4% | $9,541+118.3% |