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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 | $21,868 | $82,678-73.5% | $125,391-82.6% | $68,490-68.1% |
| Participation rate | 57.0% | 75.1%-18.1pp | 82.4%-25.4pp | 67.9%-10.9pp |
| Annual return | 487.53% | -5.97%+493.5pp | 572.41%-84.9pp | -7.85%+495.4pp |
| Employer contribution / active EE | $1,724 | $3,382-49.0% | $4,816-64.2% | $2,597-33.6% |
| Participant deferral / active EE | $1,140 | $6,111-81.3% | $7,448-84.7% | $4,028-71.7% |
| Admin fee / account holder | $27,296 | $6,277+334.8% | $10,009+172.7% | $5,403+405.2% |