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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 | $37,845 | $82,678-54.2% | $125,391-69.8% | $68,490-44.7% |
| Participation rate | 52.0% | 75.1%-23.1pp | 82.4%-30.4pp | 67.9%-15.9pp |
| Annual return | -17.17% | -5.97%-11.2pp | 572.41%-589.6pp | -7.85%-9.3pp |
| Employer contribution / active EE | $2,664 | $3,382-21.2% | $4,816-44.7% | $2,597+2.6% |
| Participant deferral / active EE | $1,734 | $6,111-71.6% | $7,448-76.7% | $4,028-56.9% |
| Admin fee / account holder | $733 | $6,277-88.3% | $10,009-92.7% | $5,403-86.4% |