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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 | $41,184 | $97,732-57.9% | $83,831-50.9% | $135,380-69.6% |
| Participation rate | 30.0% | 80.0%-50.0pp | 76.1%-46.1pp | 82.6%-52.6pp |
| Annual return | -6.82% | 1287.56%-1294.4pp | 850.99%-857.8pp | 519.81%-526.6pp |
| Employer contribution / active EE | $26 | $4,222-99.4% | $3,631-99.3% | $4,779-99.5% |
| Participant deferral / active EE | $3,110 | $4,683-33.6% | $4,082-23.8% | $5,609-44.6% |
| Admin fee / account holder | $1,667 | $6,675-75.0% | $5,479-69.6% | $10,828-84.6% |