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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 | $51,965 | $59,467-12.6% | $93,727-44.6% | $74,478-30.2% |
| Participation rate | 46.9% | 59.6%-12.7pp | 68.7%-21.8pp | 67.2%-20.3pp |
| Annual return | 11.95% | 82.14%-70.2pp | 133.83%-121.9pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,638 | $3,052-46.3% | $4,417-62.9% | $4,350-62.3% |
| Admin fee / account holder | $12,535 | $3,028+313.9% | $8,292+51.2% | $1,946+544.2% |