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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 | $55,732 | $131,835-57.7% | $108,582-48.7% | $273,972-79.7% |
| Participation rate | 60.0% | 83.5%-23.5pp | 79.6%-19.6pp | 83.0%-23.0pp |
| Annual return | 6.01% | -91.57%+97.6pp | -51.70%+57.7pp | 41.46%-35.4pp |
| Employer contribution / active EE | $1,107 | $4,913-77.5% | $3,758-70.6% | $4,869-77.3% |
| Participant deferral / active EE | $1,238 | $5,127-75.8% | $4,311-71.3% | $5,287-76.6% |
| Admin fee / account holder | $301 | $10,253-97.1% | $7,645-96.1% | $10,133-97.0% |