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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 | $39,099 | $197,819-80.2% | $155,789-74.9% | $125,389-68.8% |
| Participation rate | 35.7% | 82.1%-46.4pp | 76.1%-40.4pp | 83.2%-47.5pp |
| Annual return | -2.86% | 86.73%-89.6pp | 71.54%-74.4pp | 282.24%-285.1pp |
| Employer contribution / active EE | $0 | $4,850-100.0% | $3,839-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,346 | $5,631-76.1% | $4,798-72.0% | $5,352-74.9% |
| Admin fee / account holder | $423 | $9,544-95.6% | $7,477-94.3% | $9,541-95.6% |