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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 | $16,889 | $138,114-87.8% | $125,391-86.5% | $134,545-87.4% |
| Participation rate | 63.2% | 84.5%-21.3pp | 82.4%-19.2pp | 81.2%-18.1pp |
| Annual return | -18.62% | 750.88%-769.5pp | 572.41%-591.0pp | 418.37%-437.0pp |
| Employer contribution / active EE | $2,400 | $5,246-54.3% | $4,816-50.2% | $4,742-49.4% |
| Participant deferral / active EE | $1,979 | $7,801-74.6% | $7,448-73.4% | $6,401-69.1% |
| Admin fee / account holder | $793 | $11,570-93.2% | $10,009-92.1% | $11,431-93.1% |