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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 | $30,724 | $85,171-63.9% | $172,752-82.2% | $72,975-57.9% |
| Participation rate | 2.7% | 70.1%-67.4pp | 82.6%-80.0pp | 69.5%-66.8pp |
| Annual return | 21.06% | 27.32%-6.3pp | 802.97%-781.9pp | 81.01%-60.0pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $81 | $3,260-97.5% | $5,198-98.4% | $3,608-97.8% |
| Admin fee / account holder | $46,358 | $5,880+688.4% | $13,955+232.2% | $5,124+804.7% |