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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 | $99,443 | $95,979+3.6% | $74,551+33.4% | $135,380-26.5% |
| Participation rate | 42.9% | 75.7%-32.8pp | 69.1%-26.3pp | 82.6%-39.8pp |
| Annual return | -0.52% | 56.97%-57.5pp | 32.53%-33.0pp | 519.81%-520.3pp |
| Employer contribution / active EE | $552 | $2,716-79.7% | $1,961-71.9% | $4,779-88.5% |
| Participant deferral / active EE | $756 | $3,844-80.3% | $3,108-75.7% | $5,609-86.5% |
| Admin fee / account holder | $4,037 | $6,522-38.1% | $5,059-20.2% | $10,828-62.7% |