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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 | $18,342 | $90,486-79.7% | $78,676-76.7% | $273,972-93.3% |
| Participation rate | 10.5% | 76.5%-66.0pp | 73.6%-63.0pp | 83.0%-72.5pp |
| Annual return | 3.78% | 75.62%-71.8pp | 62.19%-58.4pp | 41.46%-37.7pp |
| Employer contribution / active EE | $0 | $3,175-100.0% | $2,850-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $271 | $3,901-93.0% | $3,517-92.3% | $5,287-94.9% |
| Admin fee / account holder | $15,263 | $5,263+190.0% | $4,510+238.4% | $10,133+50.6% |