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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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,946 | $41,854+45.6% | $73,835-17.5% | $52,331+16.5% |
| Participation rate | 6.8% | 66.2%-59.5pp | 73.4%-66.7pp | 68.1%-61.3pp |
| Annual return | -2.89% | 2.11%-5.0pp | 2268.13%-2271.0pp | 4.54%-7.4pp |
| Employer contribution / active EE | $332 | $1,920-82.7% | $2,788-88.1% | $1,882-82.4% |
| Participant deferral / active EE | $692 | $2,498-72.3% | $3,583-80.7% | $3,022-77.1% |
| Admin fee / account holder | $1,576 | $493+219.9% | $4,880-67.7% | $592+166.3% |