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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 | $47,179 | $91,536-48.5% | $130,062-63.7% | $75,177-37.2% |
| Participation rate | 25.8% | 71.5%-45.7pp | 78.5%-52.7pp | 67.2%-41.4pp |
| Annual return | 46.37% | -631.62%+678.0pp | -137.37%+183.7pp | 160.75%-114.4pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,322-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,055 | $4,343-52.7% | $5,821-64.7% | $4,126-50.2% |
| Admin fee / account holder | $6,426 | $6,780-5.2% | $10,601-39.4% | $5,651+13.7% |