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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 | $45,847 | $97,759-53.1% | $83,849-45.3% | $135,377-66.1% |
| Participation rate | 50.0% | 79.9%-29.9pp | 76.1%-26.1pp | 82.6%-32.6pp |
| Annual return | -4.31% | 1287.41%-1291.7pp | 850.91%-855.2pp | 519.75%-524.1pp |
| Employer contribution / active EE | $1,115 | $4,222-73.6% | $3,631-69.3% | $4,779-76.7% |
| Participant deferral / active EE | $0 | $4,682-100.0% | $4,082-100.0% | $5,609-100.0% |
| Admin fee / account holder | $24,278 | $6,674+263.8% | $5,478+343.2% | $10,828+124.2% |