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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 | $68,218 | $107,015-36.3% | $73,545-7.2% | $147,585-53.8% |
| Participation rate | 14.3% | 66.4%-52.1pp | 54.9%-40.6pp | 82.8%-68.5pp |
| Annual return | 17.63% | 38.25%-20.6pp | -15.16%+32.8pp | 578.58%-561.0pp |
| Employer contribution / active EE | $0 | $1,760-100.0% | $1,219-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,348 | $2,462-45.3% | $1,806-25.4% | $5,439-75.2% |
| Admin fee / account holder | $18,956 | $3,055+520.5% | $2,320+717.2% | $10,886+74.1% |