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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 | $31,780 | $167,353-81.0% | $143,797-77.9% | $134,545-76.4% |
| Participation rate | 44.4% | 84.8%-40.4pp | 80.3%-35.9pp | 81.2%-36.8pp |
| Annual return | -18.85% | 0.48%-19.3pp | -0.04%-18.8pp | 418.37%-437.2pp |
| Employer contribution / active EE | $2,319 | $5,620-58.7% | $4,952-53.2% | $4,742-51.1% |
| Participant deferral / active EE | $1,822 | $6,447-71.7% | $5,638-67.7% | $6,401-71.5% |
| Admin fee / account holder | $1,644 | $18,096-90.9% | $14,679-88.8% | $11,431-85.6% |