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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 | $46,486 | $211,946-78.1% | $169,452-72.6% | $135,379-65.7% |
| Participation rate | 56.5% | 82.6%-26.1pp | 77.8%-21.3pp | 82.6%-26.1pp |
| Annual return | -5.39% | 3.26%-8.7pp | 1.83%-7.2pp | 519.79%-525.2pp |
| Employer contribution / active EE | $0 | $5,117-100.0% | $4,157-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $7,397 | $6,075+21.8% | $5,277+40.2% | $5,609+31.9% |
| Admin fee / account holder | $14,608 | $11,472+27.3% | $9,110+60.4% | $10,828+34.9% |