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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 | $44,170 | $75,962-41.9% | $154,108-71.3% | $64,173-31.2% |
| Participation rate | 28.2% | 70.4%-42.2pp | 83.0%-54.8pp | 69.6%-41.4pp |
| Annual return | -5.06% | 30.32%-35.4pp | 735.21%-740.3pp | 7.63%-12.7pp |
| Employer contribution / active EE | $102 | $3,350-97.0% | $5,298-98.1% | $2,381-95.7% |
| Participant deferral / active EE | $1,178 | $3,175-62.9% | $5,081-76.8% | $3,470-66.1% |
| Admin fee / account holder | $730 | $5,589-86.9% | $13,411-94.6% | $4,887-85.1% |