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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 | $56,289 | $160,059-64.8% | $140,019-59.8% | $135,380-58.4% |
| Participation rate | 54.5% | 88.5%-34.0pp | 87.5%-33.0pp | 82.6%-28.1pp |
| Annual return | -6.09% | 911.48%-917.6pp | 651.17%-657.3pp | 519.81%-525.9pp |
| Employer contribution / active EE | $1,588 | $6,420-75.3% | $5,605-71.7% | $4,779-66.8% |
| Participant deferral / active EE | $2,576 | $7,641-66.3% | $6,927-62.8% | $5,609-54.1% |
| Admin fee / account holder | $906 | $13,328-93.2% | $10,705-91.5% | $10,828-91.6% |