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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 | $39,115 | $50,554-22.6% | $67,681-42.2% | $87,485-55.3% |
| Participation rate | 5.4% | 67.7%-62.3pp | 73.7%-68.3pp | 68.9%-63.5pp |
| Annual return | 23.20% | 17.81%+5.4pp | 590.58%-567.4pp | 26.06%-2.9pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,678-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $614 | $2,961-79.2% | $3,976-84.5% | $4,274-85.6% |
| Admin fee / account holder | $1,701 | $4,132-58.8% | $6,100-72.1% | $7,775-78.1% |