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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 | $17,427 | $100,792-82.7% | $86,691-79.9% | $134,509-87.0% |
| Participation rate | 42.9% | 78.9%-36.1pp | 76.6%-33.7pp | 81.2%-38.4pp |
| Annual return | -19.32% | 29.08%-48.4pp | 35.94%-55.3pp | 418.13%-437.5pp |
| Employer contribution / active EE | $0 | $3,491-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $2,741 | $5,339-48.7% | $4,656-41.1% | $6,400-57.2% |
| Admin fee / account holder | $6,479 | $10,924-40.7% | $7,492-13.5% | $11,427-43.3% |