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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $69,026 | $74,879,922-99.9% | $40,145,923-99.8% | $273,972-74.8% |
| Participation rate | 18.8% | 74.1%-55.3pp | 68.4%-49.7pp | 83.0%-64.3pp |
| Annual return | 3.37% | 2.55%+0.8pp | 5.24%-1.9pp | 41.46%-38.1pp |
| Employer contribution / active EE | $55 | $2,350-97.6% | $1,844-97.0% | $4,869-98.9% |
| Participant deferral / active EE | $222 | $2,962-92.5% | $2,591-91.4% | $5,287-95.8% |
| Admin fee / account holder | $61,865 | $3,725+1561.0% | $2,903+2030.8% | $10,133+510.6% |