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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 | $71,683 | $30,423+135.6% | $56,025+27.9% | $74,478-3.8% |
| Participation rate | 13.9% | 32.9%-19.0pp | 52.5%-38.7pp | 67.2%-53.4pp |
| Annual return | 12.50% | 24.97%-12.5pp | 1712.69%-1700.2pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,042-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $585 | $1,176-50.2% | $1,955-70.0% | $4,350-86.5% |
| Admin fee / account holder | $10,828 | $2,363+358.2% | $2,828+282.9% | $1,946+456.5% |