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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 | $117,971 | $79,209+48.9% | $102,434+15.2% | $74,459+58.4% |
| Participation rate | 5.4% | 74.8%-69.4pp | 76.5%-71.2pp | 67.2%-61.9pp |
| Annual return | 12.36% | 54.98%-42.6pp | 29.46%-17.1pp | 1369.70%-1357.3pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $125 | $4,417-97.2% | $5,055-97.5% | $4,350-97.1% |
| Admin fee / account holder | $18,766 | $2,002+837.4% | $9,462+98.3% | $1,945+864.9% |