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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 | $16,538 | $30,385-45.6% | $56,054-70.5% | $74,400-77.8% |
| Participation rate | 4.3% | 32.9%-28.5pp | 52.5%-48.1pp | 67.2%-62.9pp |
| Annual return | 14.73% | 24.92%-10.2pp | 1705.95%-1691.2pp | 1367.51%-1352.8pp |
| Employer contribution / active EE | $109 | $609-82.0% | $1,039-89.5% | $2,624-95.8% |
| Participant deferral / active EE | $144 | $1,174-87.8% | $1,952-92.6% | $4,348-96.7% |
| Admin fee / account holder | $1,339 | $2,361-43.3% | $2,822-52.6% | $1,944-31.1% |