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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 | $59,448-12.6% | $93,696-44.5% | $74,459-30.2% |
| Participation rate | 46.9% | 59.6%-12.8pp | 68.7%-21.8pp | 67.2%-20.3pp |
| Annual return | 11.95% | 82.11%-70.2pp | 133.74%-121.8pp | 1369.70%-1357.8pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,422-100.0% | $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 | $3,027+314.1% | $8,287+51.3% | $1,945+544.6% |