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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 | $60,939 | $211,946-71.2% | $169,452-64.0% | $135,379-55.0% |
| Participation rate | 46.7% | 82.6%-36.0pp | 77.8%-31.1pp | 82.6%-36.0pp |
| Annual return | -3.22% | 3.26%-6.5pp | 1.83%-5.0pp | 519.79%-523.0pp |
| Employer contribution / active EE | $0 | $5,117-100.0% | $4,157-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,844 | $6,075-53.2% | $5,277-46.1% | $5,609-49.3% |
| Admin fee / account holder | $1,898 | $11,472-83.5% | $9,110-79.2% | $10,828-82.5% |