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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 | $41,405 | $168,635-75.4% | $147,617-72.0% | $125,389-67.0% |
| Participation rate | 57.1% | 88.8%-31.6pp | 84.6%-27.5pp | 83.2%-26.0pp |
| Annual return | -2.48% | 77.65%-80.1pp | 61.98%-64.5pp | 282.24%-284.7pp |
| Employer contribution / active EE | $1,408 | $6,252-77.5% | $5,564-74.7% | $4,866-71.1% |
| Participant deferral / active EE | $1,779 | $5,507-67.7% | $4,895-63.7% | $5,352-66.8% |
| Admin fee / account holder | $3,813 | $13,580-71.9% | $11,612-67.2% | $9,541-60.0% |