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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 | $94,468 | $99,668-5.2% | $86,451+9.3% | $134,545-29.8% |
| Participation rate | 55.6% | 82.1%-26.5pp | 80.3%-24.8pp | 81.2%-25.7pp |
| Annual return | -17.75% | 6789.61%-6807.4pp | 4398.51%-4416.3pp | 418.37%-436.1pp |
| Employer contribution / active EE | $378 | $4,403-91.4% | $3,770-90.0% | $4,742-92.0% |
| Participant deferral / active EE | $2,739 | $7,249-62.2% | $6,953-60.6% | $6,401-57.2% |
| Admin fee / account holder | $694 | $8,377-91.7% | $6,734-89.7% | $11,431-93.9% |