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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 | $27,309 | $92,766-70.6% | $82,763-67.0% | $134,545-79.7% |
| Participation rate | 60.0% | 75.2%-15.2pp | 72.6%-12.6pp | 81.2%-21.2pp |
| Annual return | -2.56% | 946.97%-949.5pp | 702.45%-705.0pp | 418.37%-420.9pp |
| Employer contribution / active EE | $1,272 | $3,273-61.1% | $3,008-57.7% | $4,742-73.2% |
| Participant deferral / active EE | $325 | $4,802-93.2% | $4,395-92.6% | $6,401-94.9% |
| Admin fee / account holder | $2,281 | $5,978-61.8% | $5,325-57.2% | $11,431-80.0% |