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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 | $36,546 | $80,992-54.9% | $96,534-62.1% | $75,173-51.4% |
| Participation rate | 0.0% | 71.8%-71.8pp | 76.0%-76.0pp | 67.2%-67.2pp |
| Annual return | 15.49% | 27.05%-11.6pp | 25.88%-10.4pp | 160.72%-145.2pp |
| Employer contribution / active EE | $672 | $2,283-70.6% | $2,965-77.3% | $2,671-74.9% |
| Participant deferral / active EE | $774 | $3,929-80.3% | $4,851-84.0% | $4,126-81.2% |
| Admin fee / account holder | $13,272 | $6,717+97.6% | $8,253+60.8% | $5,651+134.9% |