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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 | $31,319 | $91,537-65.8% | $130,045-75.9% | $75,173-58.3% |
| Participation rate | 41.9% | 71.5%-29.6pp | 78.5%-36.6pp | 67.2%-25.3pp |
| Annual return | 19.24% | -631.55%+650.8pp | -137.30%+156.5pp | 160.72%-141.5pp |
| Employer contribution / active EE | $1,222 | $2,845-57.0% | $4,321-71.7% | $2,671-54.2% |
| Participant deferral / active EE | $1,790 | $4,343-58.8% | $5,820-69.2% | $4,126-56.6% |
| Admin fee / account holder | $4,810 | $6,780-29.1% | $10,600-54.6% | $5,651-14.9% |