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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 | $17,846 | $41,854-57.4% | $73,845-75.8% | $52,331-65.9% |
| Participation rate | 33.0% | 66.2%-33.2pp | 73.4%-40.4pp | 68.1%-35.1pp |
| Annual return | 22.53% | 2.11%+20.4pp | 2267.91%-2245.4pp | 4.54%+18.0pp |
| Employer contribution / active EE | $3 | $1,920-99.8% | $2,788-99.9% | $1,882-99.8% |
| Participant deferral / active EE | $1,267 | $2,498-49.3% | $3,583-64.6% | $3,022-58.1% |
| Admin fee / account holder | $3,365 | $493+583.0% | $4,881-31.1% | $592+468.7% |