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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 | $47,621 | $77,523-38.6% | $100,383-52.6% | $80,874-41.1% |
| Participation rate | 0.0% | 77.0%-77.0pp | 81.5%-81.5pp | 67.6%-67.6pp |
| Annual return | 18.85% | 37.21%-18.4pp | 49.26%-30.4pp | 35.62%-16.8pp |
| Employer contribution / active EE | $1,660 | $2,801-40.7% | $3,944-57.9% | $2,756-39.8% |
| Participant deferral / active EE | $996 | $6,822-85.4% | $8,086-87.7% | $4,297-76.8% |
| Admin fee / account holder | $500 | $5,899-91.5% | $7,900-93.7% | $6,935-92.8% |