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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 | $77,394 | $138,114-44.0% | $125,391-38.3% | $134,545-42.5% |
| Participation rate | 65.2% | 84.5%-19.3pp | 82.4%-17.2pp | 81.2%-16.0pp |
| Annual return | -15.18% | 750.88%-766.1pp | 572.41%-587.6pp | 418.37%-433.6pp |
| Employer contribution / active EE | $643 | $5,246-87.7% | $4,816-86.7% | $4,742-86.4% |
| Participant deferral / active EE | $4,033 | $7,801-48.3% | $7,448-45.9% | $6,401-37.0% |
| Admin fee / account holder | $17,875 | $11,570+54.5% | $10,009+78.6% | $11,431+56.4% |