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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 | $40,064 | $91,537-56.2% | $130,045-69.2% | $75,173-46.7% |
| Participation rate | 12.2% | 71.5%-59.2pp | 78.5%-66.3pp | 67.2%-55.0pp |
| Annual return | 13.01% | -631.55%+644.6pp | -137.30%+150.3pp | 160.72%-147.7pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $649 | $4,343-85.1% | $5,820-88.9% | $4,126-84.3% |
| Admin fee / account holder | $1,027 | $6,780-84.8% | $10,600-90.3% | $5,651-81.8% |