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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 | $63,003 | $29,716+112.0% | $56,077+12.4% | $80,925-22.1% |
| Participation rate | 0.0% | 41.7%-41.7pp | 52.5%-52.5pp | 67.7%-67.7pp |
| Annual return | 26.42% | 35.30%-8.9pp | 1709.28%-1682.9pp | 35.65%-9.2pp |
| Employer contribution / active EE | $49 | $671-92.6% | $1,040-95.3% | $2,756-98.2% |
| Participant deferral / active EE | $540 | $1,228-56.0% | $1,954-72.4% | $4,299-87.4% |
| Admin fee / account holder | $428 | $2,432-82.4% | $2,825-84.8% | $6,940-93.8% |