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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 | $38,394 | $48,432-20.7% | $121,169-68.3% | $71,495-46.3% |
| Participation rate | 6.7% | 54.3%-47.6pp | 69.5%-62.8pp | 67.9%-61.2pp |
| Annual return | 15.90% | 23.28%-7.4pp | 986.71%-970.8pp | 28.85%-13.0pp |
| Employer contribution / active EE | $0 | $1,493-100.0% | $4,168-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $449 | $2,756-83.7% | $4,083-89.0% | $4,291-89.5% |
| Admin fee / account holder | $750 | $1,845-59.3% | $5,645-86.7% | $1,588-52.7% |