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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 | $34,294 | $138,102-75.2% | $125,381-72.6% | $134,532-74.5% |
| Participation rate | 55.6% | 84.5%-28.9pp | 82.4%-26.8pp | 81.2%-25.7pp |
| Annual return | -19.68% | 750.73%-770.4pp | 572.31%-592.0pp | 418.27%-437.9pp |
| Employer contribution / active EE | $5,466 | $5,245+4.2% | $4,815+13.5% | $4,741+15.3% |
| Participant deferral / active EE | $2,167 | $7,801-72.2% | $7,448-70.9% | $6,401-66.2% |
| Admin fee / account holder | $523 | $11,568-95.5% | $10,007-94.8% | $11,429-95.4% |