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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 | $13,448 | $99,668-86.5% | $86,451-84.4% | $134,545-90.0% |
| Participation rate | 54.5% | 82.1%-27.5pp | 80.3%-25.8pp | 81.2%-26.7pp |
| Annual return | -2.27% | 6789.61%-6791.9pp | 4398.51%-4400.8pp | 418.37%-420.6pp |
| Employer contribution / active EE | $0 | $4,403-100.0% | $3,770-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $3,668 | $7,249-49.4% | $6,953-47.3% | $6,401-42.7% |
| Admin fee / account holder | $5,716 | $8,377-31.8% | $6,734-15.1% | $11,431-50.0% |