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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 | $22,390 | $138,102-83.8% | $125,381-82.1% | $134,532-83.4% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -8.85% | 750.73%-759.6pp | 572.31%-581.2pp | 418.27%-427.1pp |
| Employer contribution / active EE | $200 | $5,245-96.2% | $4,815-95.8% | $4,741-95.8% |
| Participant deferral / active EE | $3,735 | $7,801-52.1% | $7,448-49.9% | $6,401-41.7% |
| Admin fee / account holder | $2,181 | $11,568-81.2% | $10,007-78.2% | $11,429-80.9% |