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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 | $62,739 | $99,644-37.0% | $86,438-27.4% | $134,532-53.4% |
| Participation rate | 33.3% | 82.1%-48.7pp | 80.3%-47.0pp | 81.2%-47.9pp |
| Annual return | -11.64% | 6787.26%-6798.9pp | 4397.19%-4408.8pp | 418.27%-429.9pp |
| Employer contribution / active EE | $801 | $4,402-81.8% | $3,769-78.8% | $4,741-83.1% |
| Participant deferral / active EE | $1,974 | $7,247-72.8% | $6,952-71.6% | $6,401-69.2% |
| Admin fee / account holder | $15,759 | $8,375+88.2% | $6,733+134.1% | $11,429+37.9% |