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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 | $35,368 | $102,393-65.5% | $147,041-75.9% | $80,911-56.3% |
| Participation rate | 67.7% | 75.9%-8.1pp | 82.2%-14.4pp | 67.6%+0.1pp |
| Annual return | 18.50% | 134.95%-116.4pp | 419.21%-400.7pp | 35.63%-17.1pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $13,847 | $6,647+108.3% | $8,071+71.6% | $4,297+222.2% |
| Admin fee / account holder | $5,124 | $7,943-35.5% | $13,006-60.6% | $6,935-26.1% |