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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 | $246,927 | $53,162+364.5% | $91,225+170.7% | $68,486+260.6% |
| Participation rate | 68.6% | 63.2%+5.4pp | 73.2%-4.6pp | 67.9%+0.7pp |
| Annual return | -17.31% | -3.14%-14.2pp | 114.12%-131.4pp | -7.85%-9.5pp |
| Employer contribution / active EE | $0 | $1,709-100.0% | $2,851-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $7,334 | $2,974+146.6% | $4,233+73.2% | $4,028+82.1% |
| Admin fee / account holder | $28,074 | $4,493+524.8% | $5,422+417.7% | $5,404+419.5% |