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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 | $129,477 | $167,352-22.6% | $143,788-10.0% | $134,509-3.7% |
| Participation rate | 37.5% | 84.8%-47.3pp | 80.3%-42.8pp | 81.2%-43.7pp |
| Annual return | -16.64% | 0.47%-17.1pp | -0.03%-16.6pp | 418.13%-434.8pp |
| Employer contribution / active EE | $893 | $5,620-84.1% | $4,952-82.0% | $4,741-81.2% |
| Participant deferral / active EE | $6,988 | $6,447+8.4% | $5,638+23.9% | $6,400+9.2% |
| Admin fee / account holder | $2,838 | $18,091-84.3% | $14,675-80.7% | $11,427-75.2% |