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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 | $92,260 | $138,102-33.2% | $125,381-26.4% | $134,532-31.4% |
| Participation rate | 46.2% | 84.5%-38.3pp | 82.4%-36.2pp | 81.2%-35.1pp |
| Annual return | -13.11% | 750.73%-763.8pp | 572.31%-585.4pp | 418.27%-431.4pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,815-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $466 | $7,801-94.0% | $7,448-93.7% | $6,401-92.7% |
| Admin fee / account holder | $8,357 | $11,568-27.8% | $10,007-16.5% | $11,429-26.9% |