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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 | $116,958 | $127,387-8.2% | $115,038+1.7% | $125,389-6.7% |
| Participation rate | 28.6% | 84.2%-55.6pp | 81.4%-52.8pp | 83.2%-54.6pp |
| Annual return | -2.98% | 31.28%-34.3pp | 26.14%-29.1pp | 282.24%-285.2pp |
| Employer contribution / active EE | $0 | $5,166-100.0% | $4,608-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $357 | $6,423-94.4% | $6,026-94.1% | $5,352-93.3% |
| Admin fee / account holder | $616 | $9,516-93.5% | $8,175-92.5% | $9,541-93.5% |