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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 | $18,434 | $84,684-78.2% | $73,835-75.0% | $125,388-85.3% |
| Participation rate | 21.4% | 76.8%-55.3pp | 73.4%-52.0pp | 83.2%-61.8pp |
| Annual return | -1.53% | 3123.93%-3125.5pp | 2268.13%-2269.7pp | 282.24%-283.8pp |
| Employer contribution / active EE | $0 | $3,123-100.0% | $2,788-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $736 | $3,993-81.6% | $3,583-79.5% | $5,352-86.2% |
| Admin fee / account holder | $13,600 | $5,691+139.0% | $4,880+178.7% | $9,541+42.5% |