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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 | $38,821 | $32,117+20.9% | $71,089-45.4% | $64,173-39.5% |
| Participation rate | 37.5% | 42.7%-5.2pp | 54.6%-17.1pp | 69.6%-32.1pp |
| Annual return | -5.96% | -5.57%-0.4pp | 650.65%-656.6pp | 7.63%-13.6pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,956 | $1,263+134.0% | $1,873+57.8% | $3,470-14.8% |
| Admin fee / account holder | $1,478 | $2,759-46.4% | $3,082-52.1% | $4,887-69.8% |