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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 | $32,805 | $167,522-80.4% | $151,639-78.4% | $134,532-75.6% |
| Participation rate | 55.6% | 88.4%-32.8pp | 87.5%-31.9pp | 81.2%-25.7pp |
| Annual return | -11.03% | 7.81%-18.8pp | 3.34%-14.4pp | 418.27%-429.3pp |
| Employer contribution / active EE | $1,510 | $6,828-77.9% | $6,165-75.5% | $4,741-68.2% |
| Participant deferral / active EE | $2,310 | $8,986-74.3% | $8,363-72.4% | $6,401-63.9% |
| Admin fee / account holder | $1,492 | $13,780-89.2% | $11,613-87.2% | $11,429-86.9% |