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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 | $30,657 | $99,079-69.1% | $78,002-60.7% | $273,972-88.8% |
| Participation rate | 57.1% | 78.6%-21.4pp | 75.5%-18.4pp | 83.0%-25.9pp |
| Annual return | 4.85% | 217.93%-213.1pp | 425.99%-421.1pp | 41.46%-36.6pp |
| Employer contribution / active EE | $0 | $3,308-100.0% | $2,470-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $757 | $4,306-82.4% | $3,497-78.4% | $5,287-85.7% |
| Admin fee / account holder | $11,941 | $8,954+33.4% | $5,481+117.9% | $10,133+17.8% |