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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 | $43,748 | $138,114-68.3% | $125,391-65.1% | $134,545-67.5% |
| Participation rate | 22.2% | 84.5%-62.3pp | 82.4%-60.2pp | 81.2%-59.0pp |
| Annual return | -17.89% | 750.88%-768.8pp | 572.41%-590.3pp | 418.37%-436.3pp |
| Employer contribution / active EE | $889 | $5,246-83.1% | $4,816-81.5% | $4,742-81.3% |
| Participant deferral / active EE | $4,911 | $7,801-37.0% | $7,448-34.1% | $6,401-23.3% |
| Admin fee / account holder | $417 | $11,570-96.4% | $10,009-95.8% | $11,431-96.4% |