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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 | $45,708 | $52,678-13.2% | $75,784-39.7% | $59,633-23.4% |
| Participation rate | 22.4% | 67.2%-44.8pp | 75.8%-53.4pp | 68.7%-46.3pp |
| Annual return | 50.53% | 2.95%+47.6pp | 9.68%+40.8pp | 2041.45%-1990.9pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $476 | $2,591-81.6% | $3,652-87.0% | $3,192-85.1% |
| Admin fee / account holder | $10,161 | $3,610+181.5% | $5,300+91.7% | $4,297+136.5% |