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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 | $140,372 | $167,533-16.2% | $151,645-7.4% | $134,545+4.3% |
| Participation rate | 33.3% | 88.4%-55.0pp | 87.5%-54.2pp | 81.2%-47.9pp |
| Annual return | -11.50% | 7.81%-19.3pp | 3.34%-14.8pp | 418.37%-429.9pp |
| Employer contribution / active EE | $0 | $6,828-100.0% | $6,165-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $1,051 | $8,985-88.3% | $8,363-87.4% | $6,401-83.6% |
| Admin fee / account holder | $1,747 | $13,781-87.3% | $11,614-85.0% | $11,431-84.7% |