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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 | $35,544 | $91,525-61.2% | $130,026-72.7% | $75,181-52.7% |
| Participation rate | 58.1% | 71.4%-13.4pp | 78.5%-20.4pp | 67.2%-9.1pp |
| Annual return | 14.59% | -631.40%+646.0pp | -137.26%+151.8pp | 160.69%-146.1pp |
| Employer contribution / active EE | $858 | $2,844-69.8% | $4,321-80.1% | $2,671-67.9% |
| Participant deferral / active EE | $1,738 | $4,342-60.0% | $5,821-70.1% | $4,126-57.9% |
| Admin fee / account holder | $5,606 | $6,778-17.3% | $10,608-47.2% | $5,650-0.8% |