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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 | $65,915 | $99,032-33.4% | $80,022-17.6% | $135,380-51.3% |
| Participation rate | 43.8% | 78.4%-34.6pp | 75.8%-32.1pp | 82.6%-38.9pp |
| Annual return | -2.69% | 15.39%-18.1pp | 11.22%-13.9pp | 519.81%-522.5pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $2,468-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,486 | $4,282-42.0% | $3,686-32.6% | $5,609-55.7% |
| Admin fee / account holder | $47,398 | $10,436+354.2% | $6,521+626.8% | $10,828+337.7% |