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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 | $35,530 | $138,114-74.3% | $125,391-71.7% | $134,545-73.6% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -18.00% | 750.88%-768.9pp | 572.41%-590.4pp | 418.37%-436.4pp |
| Employer contribution / active EE | $5,191 | $5,246-1.1% | $4,816+7.8% | $4,742+9.5% |
| Participant deferral / active EE | $20 | $7,801-99.7% | $7,448-99.7% | $6,401-99.7% |
| Admin fee / account holder | $324 | $11,570-97.2% | $10,009-96.8% | $11,431-97.2% |