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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 | $8,354 | $27,800-69.9% | $58,561-85.7% | $71,511-88.3% |
| Participation rate | 8.0% | 34.6%-26.6pp | 50.9%-42.9pp | 67.9%-59.9pp |
| Annual return | 19.11% | 26.80%-7.7pp | 4251.33%-4232.2pp | 28.86%-9.7pp |
| Employer contribution / active EE | $0 | $632-100.0% | $1,053-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $337 | $1,208-72.1% | $1,923-82.5% | $4,291-92.1% |
| Admin fee / account holder | $667 | $1,637-59.3% | $2,520-73.5% | $1,588-58.0% |