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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 | $5,444 | $76,519-92.9% | $56,025-90.3% | $145,897-96.3% |
| Participation rate | 25.0% | 63.2%-38.2pp | 52.5%-27.5pp | 80.3%-55.3pp |
| Annual return | 5.35% | 3017.03%-3011.7pp | 1712.69%-1707.3pp | 552.29%-546.9pp |
| Employer contribution / active EE | $32 | $1,383-97.7% | $1,042-97.0% | $4,663-99.3% |
| Participant deferral / active EE | $38 | $2,624-98.6% | $1,955-98.1% | $6,689-99.4% |
| Admin fee / account holder | $7,314 | $3,331+119.6% | $2,828+158.6% | $13,390-45.4% |