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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 | $30,736 | $95,188-67.7% | $76,518-59.8% | $135,379-77.3% |
| Participation rate | 13.0% | 74.4%-61.3pp | 68.0%-55.0pp | 82.6%-69.6pp |
| Annual return | -6.51% | 4.85%-11.4pp | -0.27%-6.2pp | 519.79%-526.3pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $237 | $4,640-94.9% | $3,836-93.8% | $5,609-95.8% |
| Admin fee / account holder | $47,595 | $6,249+661.6% | $4,849+881.6% | $10,828+339.6% |