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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 | $119,152 | $46,697+155.2% | $117,529+1.4% | $68,490+74.0% |
| Participation rate | 44.9% | 56.8%-11.8pp | 70.6%-25.7pp | 67.9%-23.0pp |
| Annual return | -18.03% | -14.52%-3.5pp | 29.77%-47.8pp | -7.85%-10.2pp |
| Employer contribution / active EE | $0 | $1,506-100.0% | $4,179-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $782 | $2,637-70.3% | $4,072-80.8% | $4,028-80.6% |
| Admin fee / account holder | $1,968 | $4,023-51.1% | $5,645-65.1% | $5,403-63.6% |