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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 | $104,149 | $160,059-34.9% | $140,019-25.6% | $135,380-23.1% |
| Participation rate | 42.1% | 88.5%-46.4pp | 87.5%-45.4pp | 82.6%-40.5pp |
| Annual return | -7.99% | 911.48%-919.5pp | 651.17%-659.2pp | 519.81%-527.8pp |
| Employer contribution / active EE | $1,317 | $6,420-79.5% | $5,605-76.5% | $4,779-72.4% |
| Participant deferral / active EE | $3,352 | $7,641-56.1% | $6,927-51.6% | $5,609-40.2% |
| Admin fee / account holder | $3,560 | $13,328-73.3% | $10,705-66.7% | $10,828-67.1% |