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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 | $32,974 | $160,059-79.4% | $140,019-76.5% | $135,380-75.6% |
| Participation rate | 69.2% | 88.5%-19.3pp | 87.5%-18.3pp | 82.6%-13.4pp |
| Annual return | -6.52% | 911.48%-918.0pp | 651.17%-657.7pp | 519.81%-526.3pp |
| Employer contribution / active EE | $2,067 | $6,420-67.8% | $5,605-63.1% | $4,779-56.8% |
| Participant deferral / active EE | $2,579 | $7,641-66.2% | $6,927-62.8% | $5,609-54.0% |
| Admin fee / account holder | $973 | $13,328-92.7% | $10,705-90.9% | $10,828-91.0% |