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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 | $30,227 | $92,766-67.4% | $82,763-63.5% | $134,545-77.5% |
| Participation rate | 31.8% | 75.2%-43.4pp | 72.6%-40.7pp | 81.2%-49.4pp |
| Annual return | -15.10% | 946.97%-962.1pp | 702.45%-717.6pp | 418.37%-433.5pp |
| Employer contribution / active EE | $0 | $3,273-100.0% | $3,008-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $632 | $4,802-86.8% | $4,395-85.6% | $6,401-90.1% |
| Admin fee / account holder | $7,154 | $5,978+19.7% | $5,325+34.3% | $11,431-37.4% |