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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 | $39,195 | $80,992-51.6% | $96,534-59.4% | $75,173-47.9% |
| Participation rate | 0.0% | 71.8%-71.8pp | 76.0%-76.0pp | 67.2%-67.2pp |
| Annual return | 61.94% | 27.05%+34.9pp | 25.88%+36.1pp | 160.72%-98.8pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,220 | $3,929-43.5% | $4,851-54.2% | $4,126-46.2% |
| Admin fee / account holder | $322 | $6,717-95.2% | $8,253-96.1% | $5,651-94.3% |