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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 | $20,879 | $149,040-86.0% | $120,225-82.6% | $137,256-84.8% |
| Participation rate | 13.0% | 75.4%-62.4pp | 69.6%-56.5pp | 80.0%-66.9pp |
| Annual return | 28.34% | 605.68%-577.3pp | 439.23%-410.9pp | 220.34%-192.0pp |
| Employer contribution / active EE | $55 | $4,350-98.7% | $3,475-98.4% | $4,156-98.7% |
| Participant deferral / active EE | $98 | $4,655-97.9% | $3,999-97.6% | $6,407-98.5% |
| Admin fee / account holder | $7,317 | $6,348+15.3% | $5,696+28.5% | $12,270-40.4% |