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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 | $79,189+49.0% | $102,457+15.1% | $74,400+58.6% |
| Participation rate | 5.4% | 74.8%-69.4pp | 76.5%-71.1pp | 67.2%-61.9pp |
| Annual return | 12.36% | 54.98%-42.6pp | 29.41%-17.1pp | 1367.51%-1355.2pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,022-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $125 | $4,415-97.2% | $5,054-97.5% | $4,348-97.1% |
| Admin fee / account holder | $18,766 | $2,002+837.3% | $9,451+98.5% | $1,944+865.5% |