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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 | $48,206 | $93,124-48.2% | $77,100-37.5% | $134,545-64.2% |
| Participation rate | 37.5% | 74.5%-37.0pp | 67.9%-30.4pp | 81.2%-43.7pp |
| Annual return | -13.82% | 62.68%-76.5pp | 42.35%-56.2pp | 418.37%-432.2pp |
| Employer contribution / active EE | $0 | $3,421-100.0% | $2,815-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $1,089 | $5,242-79.2% | $4,430-75.4% | $6,401-83.0% |
| Admin fee / account holder | $6,351 | $6,970-8.9% | $5,443+16.7% | $11,431-44.4% |