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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 | $18,561 | $27,243-31.9% | $52,425-64.6% | $79,634-76.7% |
| Participation rate | 2.0% | 22.4%-20.5pp | 55.6%-53.7pp | 62.5%-60.5pp |
| Annual return | 20.90% | 63.36%-42.5pp | 302.12%-281.2pp | 36.46%-15.6pp |
| Employer contribution / active EE | $68 | $319-78.6% | $914-92.5% | $2,529-97.3% |
| Participant deferral / active EE | $131 | $636-79.3% | $1,790-92.7% | $3,835-96.6% |
| Admin fee / account holder | $2,898 | $2,105+37.7% | $2,495+16.2% | $1,002+189.3% |