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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 | $45,535 | $167,353-72.8% | $143,797-68.3% | $134,545-66.2% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -15.77% | 0.48%-16.3pp | -0.04%-15.7pp | 418.37%-434.1pp |
| Employer contribution / active EE | $0 | $5,620-100.0% | $4,952-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $4,190 | $6,447-35.0% | $5,638-25.7% | $6,401-34.5% |
| Admin fee / account holder | $1,997 | $18,096-89.0% | $14,679-86.4% | $11,431-82.5% |