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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 | $58,581 | $135,645-56.8% | $110,243-46.9% | $135,380-56.7% |
| Participation rate | 64.7% | 83.5%-18.8pp | 79.8%-15.1pp | 82.6%-17.9pp |
| Annual return | -8.12% | 513.24%-521.4pp | 314.76%-322.9pp | 519.81%-527.9pp |
| Employer contribution / active EE | $1,056 | $4,907-78.5% | $3,827-72.4% | $4,779-77.9% |
| Participant deferral / active EE | $1,400 | $5,507-74.6% | $4,672-70.0% | $5,609-75.0% |
| Admin fee / account holder | $972 | $11,458-91.5% | $8,548-88.6% | $10,828-91.0% |