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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 | $0 | $156,963-100.0% | $121,204-100.0% | $139,466-100.0% |
| Participation rate | 16.7% | 76.5%-59.8pp | 69.5%-52.9pp | 80.3%-63.7pp |
| Annual return | 23.49% | 1476.75%-1453.3pp | 987.18%-963.7pp | 373.66%-350.2pp |
| Employer contribution / active EE | $15,355 | $5,544+176.9% | $4,170+268.3% | $4,754+223.0% |
| Participant deferral / active EE | $0 | $4,848-100.0% | $4,083-100.0% | $6,712-100.0% |
| Admin fee / account holder | $2,554,426 | $6,953+36636.4% | $5,651+45101.5% | $11,409+22290.2% |