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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 | $19,404 | $99,647-80.5% | $86,439-77.6% | $134,509-85.6% |
| Participation rate | 22.2% | 82.1%-59.8pp | 80.3%-58.1pp | 81.2%-59.0pp |
| Annual return | -19.48% | 6784.13%-6803.6pp | 4395.55%-4415.0pp | 418.13%-437.6pp |
| Employer contribution / active EE | $0 | $4,401-100.0% | $3,769-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $315 | $7,246-95.7% | $6,952-95.5% | $6,400-95.1% |
| Admin fee / account holder | $3,183 | $8,373-62.0% | $6,732-52.7% | $11,427-72.1% |