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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 | $50,379 | $82,678-39.1% | $125,391-59.8% | $68,490-26.4% |
| Participation rate | 60.5% | 75.1%-14.5pp | 82.4%-21.9pp | 67.9%-7.4pp |
| Annual return | -14.34% | -5.97%-8.4pp | 572.41%-586.7pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,137 | $3,382-66.4% | $4,816-76.4% | $2,597-56.2% |
| Participant deferral / active EE | $2,082 | $6,111-65.9% | $7,448-72.0% | $4,028-48.3% |
| Admin fee / account holder | $4,043 | $6,277-35.6% | $10,009-59.6% | $5,403-25.2% |