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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 | $129,248 | $60,442+113.8% | $96,754+33.6% | $87,485+47.7% |
| Participation rate | 2.7% | 58.7%-56.0pp | 70.3%-67.6pp | 68.9%-66.2pp |
| Annual return | 14.72% | 21.97%-7.2pp | 82.04%-67.3pp | 26.06%-11.3pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $225 | $3,280-93.1% | $4,758-95.3% | $4,274-94.7% |
| Admin fee / account holder | $102,432 | $5,069+1920.7% | $8,905+1050.3% | $7,775+1217.5% |