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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 | $25,659 | $48,274-46.8% | $63,244-59.4% | $59,633-57.0% |
| Participation rate | 30.3% | 66.3%-36.0pp | 71.0%-40.7pp | 68.7%-38.4pp |
| Annual return | -0.31% | -240.79%+240.5pp | -70.31%+70.0pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $455 | $1,586-71.3% | $2,322-80.4% | $2,203-79.4% |
| Participant deferral / active EE | $544 | $2,343-76.8% | $2,953-81.6% | $3,192-83.0% |
| Admin fee / account holder | $29,191 | $3,600+710.9% | $5,893+395.4% | $4,297+579.4% |