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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 | $60,124 | $27,936+115.2% | $58,561+2.7% | $75,173-20.0% |
| Participation rate | 3.4% | 38.8%-35.5pp | 50.9%-47.5pp | 67.2%-63.8pp |
| Annual return | 21.78% | 44.21%-22.4pp | 4251.33%-4229.5pp | 160.72%-138.9pp |
| Employer contribution / active EE | $64 | $670-90.5% | $1,053-94.0% | $2,671-97.6% |
| Participant deferral / active EE | $506 | $1,202-57.9% | $1,923-73.7% | $4,126-87.7% |
| Admin fee / account holder | $3,283 | $1,727+90.1% | $2,520+30.2% | $5,651-41.9% |