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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 | $64,936 | $90,606-28.3% | $79,466-18.3% | $135,379-52.0% |
| Participation rate | 23.1% | 76.0%-53.0pp | 73.3%-50.3pp | 82.6%-59.6pp |
| Annual return | -3.27% | 977.69%-981.0pp | 718.28%-721.5pp | 519.79%-523.1pp |
| Employer contribution / active EE | $0 | $3,068-100.0% | $2,800-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,064 | $4,050-73.7% | $3,704-71.3% | $5,609-81.0% |
| Admin fee / account holder | $1,159 | $5,895-80.3% | $5,104-77.3% | $10,828-89.3% |