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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 | $95,109 | $82,674+15.0% | $125,363-24.1% | $68,495+38.9% |
| Participation rate | 67.9% | 75.0%-7.2pp | 82.4%-14.5pp | 67.9%0pp |
| Annual return | -17.82% | -5.97%-11.8pp | 572.15%-590.0pp | -7.84%-10.0pp |
| Employer contribution / active EE | $3,978 | $3,382+17.6% | $4,815-17.4% | $2,596+53.2% |
| Participant deferral / active EE | $978 | $6,111-84.0% | $7,447-86.9% | $4,028-75.7% |
| Admin fee / account holder | $4,353 | $6,276-30.6% | $10,005-56.5% | $5,403-19.4% |