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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 | $49,134 | $95,917-48.8% | $79,583-38.3% | $134,545-63.5% |
| Participation rate | 66.7% | 75.0%-8.4pp | 69.5%-2.8pp | 81.2%-14.6pp |
| Annual return | -18.74% | -2.70%-16.0pp | 0.16%-18.9pp | 418.37%-437.1pp |
| Employer contribution / active EE | $1,123 | $3,129-64.1% | $2,414-53.5% | $4,742-76.3% |
| Participant deferral / active EE | $1,123 | $4,694-76.1% | $3,986-71.8% | $6,401-82.5% |
| Admin fee / account holder | $308 | $9,132-96.6% | $6,835-95.5% | $11,431-97.3% |