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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 | $98,508 | $95,979+2.6% | $74,551+32.1% | $135,380-27.2% |
| Participation rate | 60.0% | 75.7%-15.7pp | 69.1%-9.1pp | 82.6%-22.6pp |
| Annual return | -6.81% | 56.97%-63.8pp | 32.53%-39.3pp | 519.81%-526.6pp |
| Employer contribution / active EE | $572 | $2,716-78.9% | $1,961-70.8% | $4,779-88.0% |
| Participant deferral / active EE | $573 | $3,844-85.1% | $3,108-81.6% | $5,609-89.8% |
| Admin fee / account holder | $532 | $6,522-91.8% | $5,059-89.5% | $10,828-95.1% |