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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 | $50,509 | $138,114-63.4% | $125,391-59.7% | $134,545-62.5% |
| Participation rate | 43.5% | 84.5%-41.0pp | 82.4%-38.9pp | 81.2%-37.8pp |
| Annual return | -14.26% | 750.88%-765.1pp | 572.41%-586.7pp | 418.37%-432.6pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,816-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $5,008 | $7,801-35.8% | $7,448-32.8% | $6,401-21.8% |
| Admin fee / account holder | $9,388 | $11,570-18.9% | $10,009-6.2% | $11,431-17.9% |