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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 | $40,168 | $57,352-30.0% | $83,830-52.1% | $64,173-37.4% |
| Participation rate | 59.5% | 68.6%-9.1pp | 76.1%-16.6pp | 69.6%-10.0pp |
| Annual return | -6.76% | 11.38%-18.1pp | 850.97%-857.7pp | 7.63%-14.4pp |
| Employer contribution / active EE | $5,861 | $2,546+130.2% | $3,631+61.4% | $2,381+146.2% |
| Participant deferral / active EE | $904 | $2,993-69.8% | $4,082-77.8% | $3,470-73.9% |
| Admin fee / account holder | $8,180 | $4,046+102.2% | $5,479+49.3% | $4,887+67.4% |