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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 | $198,695 | $138,102+43.9% | $125,381+58.5% | $134,532+47.7% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -16.55% | 750.73%-767.3pp | 572.31%-588.9pp | 418.27%-434.8pp |
| Employer contribution / active EE | $2,080 | $5,245-60.3% | $4,815-56.8% | $4,741-56.1% |
| Participant deferral / active EE | $2,080 | $7,801-73.3% | $7,448-72.1% | $6,401-67.5% |
| Admin fee / account holder | $446 | $11,568-96.1% | $10,007-95.5% | $11,429-96.1% |