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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 | $44,328 | $138,114-67.9% | $125,391-64.6% | $134,545-67.1% |
| Participation rate | 68.4% | 84.5%-16.1pp | 82.4%-14.0pp | 81.2%-12.8pp |
| Annual return | -16.75% | 750.88%-767.6pp | 572.41%-589.2pp | 418.37%-435.1pp |
| Employer contribution / active EE | $1,487 | $5,246-71.7% | $4,816-69.1% | $4,742-68.6% |
| Participant deferral / active EE | $2,439 | $7,801-68.7% | $7,448-67.3% | $6,401-61.9% |
| Admin fee / account holder | $7,307 | $11,570-36.8% | $10,009-27.0% | $11,431-36.1% |