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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 | $90,566 | $135,645-33.2% | $110,243-17.8% | $135,380-33.1% |
| Participation rate | 29.4% | 83.5%-54.0pp | 79.8%-50.4pp | 82.6%-53.2pp |
| Annual return | -5.64% | 513.24%-518.9pp | 314.76%-320.4pp | 519.81%-525.4pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $654 | $5,507-88.1% | $4,672-86.0% | $5,609-88.3% |
| Admin fee / account holder | $35,528 | $11,458+210.1% | $8,548+315.6% | $10,828+228.1% |