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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 | $48,607 | $100,805-51.8% | $86,698-43.9% | $134,532-63.9% |
| Participation rate | 62.5% | 79.0%-16.5pp | 76.6%-14.1pp | 81.2%-18.7pp |
| Annual return | -16.45% | 29.09%-45.5pp | 35.95%-52.4pp | 418.27%-434.7pp |
| Employer contribution / active EE | $1,377 | $3,490-60.5% | $2,837-51.5% | $4,741-71.0% |
| Participant deferral / active EE | $1,431 | $5,339-73.2% | $4,656-69.3% | $6,401-77.6% |
| Admin fee / account holder | $601 | $10,925-94.5% | $7,493-92.0% | $11,429-94.7% |