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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 | $17,518 | $75,832-76.9% | $147,618-88.1% | $59,633-70.6% |
| Participation rate | 63.9% | 71.6%-7.7pp | 84.6%-20.7pp | 68.7%-4.8pp |
| Annual return | -2.22% | 0.37%-2.6pp | 61.98%-64.2pp | 2041.40%-2043.6pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,565-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,250 | $3,131-60.1% | $4,895-74.5% | $3,192-60.8% |
| Admin fee / account holder | $1,782 | $5,986-70.2% | $11,612-84.7% | $4,297-58.5% |