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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 | $51,633 | $84,685-39.0% | $73,836-30.1% | $125,389-58.8% |
| Participation rate | 40.0% | 76.8%-36.8pp | 73.4%-33.4pp | 83.2%-43.2pp |
| Annual return | -0.32% | 3123.80%-3124.1pp | 2268.06%-2268.4pp | 282.24%-282.6pp |
| Employer contribution / active EE | $0 | $3,123-100.0% | $2,787-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $4,202 | $3,993+5.3% | $3,583+17.3% | $5,352-21.5% |
| Admin fee / account holder | $28,346 | $5,694+397.8% | $4,882+480.6% | $9,541+197.1% |