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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 | $19,611 | $82,314-76.2% | $68,808-71.5% | $134,532-85.4% |
| Participation rate | 61.1% | 75.1%-13.9pp | 69.0%-7.9pp | 81.2%-20.1pp |
| Annual return | -19.82% | -2.18%-17.6pp | -6.37%-13.4pp | 418.27%-438.1pp |
| Employer contribution / active EE | $0 | $3,301-100.0% | $2,656-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $3,734 | $4,740-21.2% | $3,942-5.3% | $6,401-41.7% |
| Admin fee / account holder | $1,174 | $6,484-81.9% | $4,936-76.2% | $11,429-89.7% |