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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 | $9,220 | $27,924-67.0% | $58,534-84.2% | $75,173-87.7% |
| Participation rate | 0.0% | 38.8%-38.8pp | 50.9%-50.9pp | 67.2%-67.2pp |
| Annual return | 21.13% | 44.20%-23.1pp | 4248.32%-4227.2pp | 160.65%-139.5pp |
| Employer contribution / active EE | $11 | $669-98.4% | $1,054-99.0% | $2,670-99.6% |
| Participant deferral / active EE | $312 | $1,202-74.0% | $1,924-83.8% | $4,126-92.4% |
| Admin fee / account holder | $2,304 | $1,726+33.5% | $2,519-8.5% | $5,651-59.2% |