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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 | $11,267 | $27,632-59.2% | $61,452-81.7% | $68,486-83.5% |
| Participation rate | 27.8% | 39.5%-11.7pp | 52.6%-24.8pp | 67.9%-40.1pp |
| Annual return | -20.92% | -13.24%-7.7pp | 338.96%-359.9pp | -7.85%-13.1pp |
| Employer contribution / active EE | $55 | $696-92.2% | $1,160-95.3% | $2,597-97.9% |
| Participant deferral / active EE | $494 | $1,264-60.9% | $2,125-76.7% | $4,028-87.7% |
| Admin fee / account holder | $3,353 | $2,010+66.8% | $2,131+57.3% | $5,404-38.0% |