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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 | $37,112 | $138,102-73.1% | $125,381-70.4% | $134,532-72.4% |
| Participation rate | 58.8% | 84.5%-25.7pp | 82.4%-23.6pp | 81.2%-22.4pp |
| Annual return | -16.66% | 750.73%-767.4pp | 572.31%-589.0pp | 418.27%-434.9pp |
| Employer contribution / active EE | $1,020 | $5,245-80.6% | $4,815-78.8% | $4,741-78.5% |
| Participant deferral / active EE | $2,276 | $7,801-70.8% | $7,448-69.4% | $6,401-64.4% |
| Admin fee / account holder | $442 | $11,568-96.2% | $10,007-95.6% | $11,429-96.1% |