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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 | $27,057 | $133,981-79.8% | $112,249-75.9% | $134,532-79.9% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -19.25% | 47.16%-66.4pp | 27.48%-46.7pp | 418.27%-437.5pp |
| Employer contribution / active EE | $1,077 | $4,040-73.4% | $3,636-70.4% | $4,741-77.3% |
| Participant deferral / active EE | $1,346 | $5,292-74.6% | $4,729-71.5% | $6,401-79.0% |
| Admin fee / account holder | $2,228 | $7,492-70.3% | $6,412-65.3% | $11,429-80.5% |