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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 | $62,275 | $102,385-39.2% | $147,080-57.7% | $80,935-23.1% |
| Participation rate | 47.8% | 75.9%-28.0pp | 82.2%-34.4pp | 67.7%-19.8pp |
| Annual return | 11.86% | 135.09%-123.2pp | 420.17%-408.3pp | 35.66%-23.8pp |
| Employer contribution / active EE | $23 | $3,717-99.4% | $4,933-99.5% | $2,757-99.2% |
| Participant deferral / active EE | $4,265 | $6,651-35.9% | $8,066-47.1% | $4,299-0.8% |
| Admin fee / account holder | $13,712 | $7,951+72.4% | $12,989+5.6% | $6,924+98.0% |