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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 | $59,659 | $138,078-56.8% | $125,363-52.4% | $134,509-55.6% |
| Participation rate | 30.8% | 84.5%-53.7pp | 82.4%-51.6pp | 81.2%-50.5pp |
| Annual return | -17.67% | 750.49%-768.2pp | 572.15%-589.8pp | 418.13%-435.8pp |
| Employer contribution / active EE | $1,891 | $5,245-64.0% | $4,815-60.7% | $4,741-60.1% |
| Participant deferral / active EE | $683 | $7,800-91.2% | $7,447-90.8% | $6,400-89.3% |
| Admin fee / account holder | $22,400 | $11,566+93.7% | $10,005+123.9% | $11,427+96.0% |