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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 | $43,389 | $167,533-74.1% | $151,645-71.4% | $134,545-67.8% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -19.60% | 7.81%-27.4pp | 3.34%-22.9pp | 418.37%-438.0pp |
| Employer contribution / active EE | $944 | $6,828-86.2% | $6,165-84.7% | $4,742-80.1% |
| Participant deferral / active EE | $5,741 | $8,985-36.1% | $8,363-31.4% | $6,401-10.3% |
| Admin fee / account holder | $6,140 | $13,781-55.4% | $11,614-47.1% | $11,431-46.3% |