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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 | $66,809 | $82,288-18.8% | $68,794-2.9% | $134,509-50.3% |
| Participation rate | 12.5% | 75.1%-62.6pp | 69.0%-56.5pp | 81.2%-68.7pp |
| Annual return | 55.02% | -2.19%+57.2pp | -6.37%+61.4pp | 418.13%-363.1pp |
| Employer contribution / active EE | $41 | $3,301-98.8% | $2,656-98.5% | $4,741-99.1% |
| Participant deferral / active EE | $1,064 | $4,738-77.6% | $3,941-73.0% | $6,400-83.4% |
| Admin fee / account holder | $44,999 | $6,482+594.2% | $4,934+811.9% | $11,427+293.8% |