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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 | $13,164 | $45,152-70.8% | $73,836-82.2% | $59,633-77.9% |
| Participation rate | 56.4% | 64.0%-7.6pp | 73.4%-17.0pp | 68.7%-12.3pp |
| Annual return | -1.93% | 27.40%-29.3pp | 2268.06%-2270.0pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $559 | $1,901-70.6% | $2,787-79.9% | $2,203-74.6% |
| Participant deferral / active EE | $720 | $2,573-72.0% | $3,583-79.9% | $3,192-77.5% |
| Admin fee / account holder | $2,617 | $3,515-25.5% | $4,882-46.4% | $4,297-39.1% |