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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 | $44,012 | $138,076-68.1% | $123,553-64.4% | $135,380-67.5% |
| Participation rate | 61.9% | 84.7%-22.8pp | 82.3%-20.4pp | 82.6%-20.7pp |
| Annual return | -8.48% | 153.70%-162.2pp | 119.21%-127.7pp | 519.81%-528.3pp |
| Employer contribution / active EE | $6,471 | $5,152+25.6% | $4,628+39.8% | $4,779+35.4% |
| Participant deferral / active EE | $932 | $6,800-86.3% | $6,426-85.5% | $5,609-83.4% |
| Admin fee / account holder | $413 | $10,917-96.2% | $9,284-95.6% | $10,828-96.2% |