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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 | $26,920 | $75,962-64.6% | $154,108-82.5% | $64,173-58.1% |
| Participation rate | 5.2% | 70.4%-65.2pp | 83.0%-77.8pp | 69.6%-64.4pp |
| Annual return | -1.21% | 30.32%-31.5pp | 735.21%-736.4pp | 7.63%-8.8pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $579 | $3,175-81.8% | $5,081-88.6% | $3,470-83.3% |
| Admin fee / account holder | $4,298 | $5,589-23.1% | $13,411-68.0% | $4,887-12.1% |