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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 | $74,608 | $69,012+8.1% | $160,009-53.4% | $68,486+8.9% |
| Participation rate | 19.4% | 65.4%-46.1pp | 78.0%-58.6pp | 67.9%-48.5pp |
| Annual return | -15.27% | -9.65%-5.6pp | 408.85%-424.1pp | -7.85%-7.4pp |
| Employer contribution / active EE | $967 | $2,212-56.3% | $4,225-77.1% | $2,597-62.8% |
| Participant deferral / active EE | $1,241 | $4,212-70.5% | $6,183-79.9% | $4,028-69.2% |
| Admin fee / account holder | $10,989 | $4,798+129.0% | $8,715+26.1% | $5,404+103.4% |