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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 | $28,987 | $75,959-61.8% | $154,114-81.2% | $64,181-54.8% |
| Participation rate | 41.4% | 70.4%-29.0pp | 83.0%-41.7pp | 69.6%-28.2pp |
| Annual return | -5.79% | 30.32%-36.1pp | 735.16%-741.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $606 | $3,175-80.9% | $5,081-88.1% | $3,470-82.5% |
| Admin fee / account holder | $629 | $5,589-88.7% | $13,411-95.3% | $4,887-87.1% |