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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 | $55,700 | $93,117-40.2% | $77,096-27.8% | $134,532-58.6% |
| Participation rate | 52.9% | 74.5%-21.6pp | 67.9%-15.0pp | 81.2%-28.3pp |
| Annual return | -14.89% | 62.67%-77.6pp | 42.35%-57.2pp | 418.27%-433.2pp |
| Employer contribution / active EE | $11 | $3,420-99.7% | $2,814-99.6% | $4,741-99.8% |
| Participant deferral / active EE | $3,239 | $5,241-38.2% | $4,429-26.9% | $6,401-49.4% |
| Admin fee / account holder | $693 | $6,948-90.0% | $5,428-87.2% | $11,429-93.9% |