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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 | $72,650 | $100,811-27.9% | $86,698-16.2% | $134,545-46.0% |
| Participation rate | 50.0% | 79.0%-29.0pp | 76.6%-26.6pp | 81.2%-31.2pp |
| Annual return | -8.11% | 29.11%-37.2pp | 35.96%-44.1pp | 418.37%-426.5pp |
| Employer contribution / active EE | $930 | $3,490-73.4% | $2,837-67.2% | $4,742-80.4% |
| Participant deferral / active EE | $930 | $5,339-82.6% | $4,656-80.0% | $6,401-85.5% |
| Admin fee / account holder | $74,279 | $10,926+579.8% | $7,492+891.4% | $11,431+549.8% |