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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 | $51,465 | $100,805-48.9% | $86,698-40.6% | $134,532-61.7% |
| Participation rate | 66.7% | 79.0%-12.3pp | 76.6%-9.9pp | 81.2%-14.6pp |
| Annual return | -1.13% | 29.09%-30.2pp | 35.95%-37.1pp | 418.27%-419.4pp |
| Employer contribution / active EE | $1,452 | $3,490-58.4% | $2,837-48.8% | $4,741-69.4% |
| Participant deferral / active EE | $1,452 | $5,339-72.8% | $4,656-68.8% | $6,401-77.3% |
| Admin fee / account holder | $10,129 | $10,925-7.3% | $7,493+35.2% | $11,429-11.4% |