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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 | $40,762 | $57,352-28.9% | $83,831-51.4% | $64,173-36.5% |
| Participation rate | 68.6% | 68.6%0pp | 76.1%-7.5pp | 69.6%-0.9pp |
| Annual return | -5.34% | 11.38%-16.7pp | 850.99%-856.3pp | 7.63%-13.0pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,979 | $2,993-0.5% | $4,082-27.0% | $3,470-14.1% |
| Admin fee / account holder | $3,375 | $4,046-16.6% | $5,479-38.4% | $4,887-31.0% |