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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 | $15,843 | $100,868-84.3% | $90,414-82.5% | $158,931-90.0% |
| Participation rate | 15.8% | 75.0%-59.2pp | 72.7%-56.9pp | 82.0%-66.2pp |
| Annual return | 7.56% | 1724.58%-1717.0pp | 1293.19%-1285.6pp | 302.86%-295.3pp |
| Employer contribution / active EE | $0 | $3,689-100.0% | $3,262-100.0% | $4,761-100.0% |
| Participant deferral / active EE | $525 | $4,348-87.9% | $3,963-86.7% | $5,982-91.2% |
| Admin fee / account holder | $6,770 | $6,502+4.1% | $5,611+20.6% | $11,247-39.8% |