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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 | $192,068 | $82,674+132.3% | $125,381+53.2% | $68,486+180.4% |
| Participation rate | 28.1% | 75.1%-46.9pp | 82.4%-54.3pp | 67.9%-39.8pp |
| Annual return | -18.99% | -5.97%-13.0pp | 572.31%-591.3pp | -7.85%-11.1pp |
| Employer contribution / active EE | $821 | $3,382-75.7% | $4,815-83.0% | $2,597-68.4% |
| Participant deferral / active EE | $1,901 | $6,111-68.9% | $7,448-74.5% | $4,028-52.8% |
| Admin fee / account holder | $1,834 | $6,277-70.8% | $10,007-81.7% | $5,404-66.1% |