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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 | $15,739 | $138,114-88.6% | $125,391-87.4% | $134,545-88.3% |
| Participation rate | 58.3% | 84.5%-26.2pp | 82.4%-24.1pp | 81.2%-22.9pp |
| Annual return | -14.22% | 750.88%-765.1pp | 572.41%-586.6pp | 418.37%-432.6pp |
| Employer contribution / active EE | $1,034 | $5,246-80.3% | $4,816-78.5% | $4,742-78.2% |
| Participant deferral / active EE | $1,144 | $7,801-85.3% | $7,448-84.6% | $6,401-82.1% |
| Admin fee / account holder | $847 | $11,570-92.7% | $10,009-91.5% | $11,431-92.6% |