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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 | $36,213 | $138,102-73.8% | $125,381-71.1% | $134,532-73.1% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -19.42% | 750.73%-770.1pp | 572.31%-591.7pp | 418.27%-437.7pp |
| Employer contribution / active EE | $1,767 | $5,245-66.3% | $4,815-63.3% | $4,741-62.7% |
| Participant deferral / active EE | $2,148 | $7,801-72.5% | $7,448-71.2% | $6,401-66.4% |
| Admin fee / account holder | $1,369 | $11,568-88.2% | $10,007-86.3% | $11,429-88.0% |