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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 | $83,979 | $142,409-41.0% | $119,634-29.8% | $134,545-37.6% |
| Participation rate | 63.6% | 82.8%-19.2pp | 79.3%-15.6pp | 81.2%-17.6pp |
| Annual return | -14.53% | -12.46%-2.1pp | -14.98%+0.5pp | 418.37%-432.9pp |
| Employer contribution / active EE | $1,274 | $5,224-75.6% | $4,232-69.9% | $4,742-73.1% |
| Participant deferral / active EE | $1,680 | $6,468-74.0% | $5,601-70.0% | $6,401-73.8% |
| Admin fee / account holder | $1,170 | $13,594-91.4% | $10,329-88.7% | $11,431-89.8% |