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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 | $31,750 | $95,917-66.9% | $79,583-60.1% | $134,545-76.4% |
| Participation rate | 68.8% | 75.0%-6.3pp | 69.5%-0.7pp | 81.2%-12.5pp |
| Annual return | -15.28% | -2.70%-12.6pp | 0.16%-15.4pp | 418.37%-433.6pp |
| Employer contribution / active EE | $0 | $3,129-100.0% | $2,414-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $3,496 | $4,694-25.5% | $3,986-12.3% | $6,401-45.4% |
| Admin fee / account holder | $381 | $9,132-95.8% | $6,835-94.4% | $11,431-96.7% |