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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 | $107,771 | $43,730+146.4% | $121,208-11.1% | $64,181+67.9% |
| Participation rate | 12.9% | 58.3%-45.4pp | 71.8%-58.9pp | 69.6%-56.7pp |
| Annual return | -6.12% | 68.94%-75.1pp | 16.93%-23.0pp | 7.63%-13.7pp |
| Employer contribution / active EE | $368 | $1,297-71.6% | $4,023-90.9% | $2,381-84.5% |
| Participant deferral / active EE | $745 | $2,281-67.3% | $3,345-77.7% | $3,470-78.5% |
| Admin fee / account holder | $1,080 | $3,502-69.2% | $5,020-78.5% | $4,887-77.9% |