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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 | $18,436 | $54,357-66.1% | $82,706-77.7% | $68,495-73.1% |
| Participation rate | 35.7% | 63.9%-28.2pp | 72.6%-36.8pp | 67.9%-32.2pp |
| Annual return | -13.74% | -13.67%-0.1pp | 701.76%-715.5pp | -7.84%-5.9pp |
| Employer contribution / active EE | $0 | $2,218-100.0% | $3,007-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,417 | $3,246-56.3% | $4,394-67.7% | $4,028-64.8% |
| Admin fee / account holder | $8,511 | $4,396+93.6% | $5,329+59.7% | $5,403+57.5% |