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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 | $24,458 | $89,367-72.6% | $141,191-82.7% | $72,975-66.5% |
| Participation rate | 25.4% | 75.1%-49.8pp | 82.5%-57.1pp | 69.5%-44.1pp |
| Annual return | 0.00% | 111.87%-111.9pp | 71.41%-71.4pp | 81.01%-81.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,377 | $5,419-37.7% | $6,710-49.7% | $3,608-6.4% |
| Admin fee / account holder | $701 | $5,957-88.2% | $10,264-93.2% | $5,124-86.3% |