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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 | $101,975 | $167,362-39.1% | $143,799-29.1% | $134,532-24.2% |
| Participation rate | 53.3% | 84.8%-31.5pp | 80.3%-27.0pp | 81.2%-27.9pp |
| Annual return | -18.13% | 0.47%-18.6pp | -0.04%-18.1pp | 418.27%-436.4pp |
| Employer contribution / active EE | $784 | $5,620-86.1% | $4,952-84.2% | $4,741-83.5% |
| Participant deferral / active EE | $5,907 | $6,447-8.4% | $5,638+4.8% | $6,401-7.7% |
| Admin fee / account holder | $454 | $18,094-97.5% | $14,677-96.9% | $11,429-96.0% |