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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 | $33,370 | $45,438-26.6% | $80,004-58.3% | $59,633-44.0% |
| Participation rate | 55.8% | 63.7%-7.9pp | 73.0%-17.2pp | 68.7%-12.9pp |
| Annual return | -2.04% | 5.10%-7.1pp | 7.63%-9.7pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $0 | $1,236-100.0% | $2,473-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,331 | $2,231-40.3% | $3,204-58.4% | $3,192-58.3% |
| Admin fee / account holder | $3,848 | $3,464+11.1% | $5,033-23.6% | $4,297-10.5% |