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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 | $3,723 | $29,051-87.2% | $52,425-92.9% | $67,986-94.5% |
| Participation rate | 9.7% | 30.4%-20.8pp | 55.6%-45.9pp | 57.2%-47.5pp |
| Annual return | 42.60% | 24.00%+18.6pp | 302.12%-259.5pp | 31.67%+10.9pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $250 | $873-71.3% | $1,790-86.0% | $3,358-92.5% |
| Admin fee / account holder | $373 | $2,113-82.4% | $2,495-85.1% | $3,203-88.4% |