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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 | $87,950 | $133,998-34.4% | $112,263-21.7% | $134,545-34.6% |
| Participation rate | 61.5% | 78.6%-17.0pp | 75.1%-13.5pp | 81.2%-19.7pp |
| Annual return | -15.70% | 47.17%-62.9pp | 27.49%-43.2pp | 418.37%-434.1pp |
| Employer contribution / active EE | $617 | $4,040-84.7% | $3,636-83.0% | $4,742-87.0% |
| Participant deferral / active EE | $4,465 | $5,292-15.6% | $4,729-5.6% | $6,401-30.3% |
| Admin fee / account holder | $431 | $7,493-94.2% | $6,410-93.3% | $11,431-96.2% |