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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 | $38,007 | $106,115-64.2% | $85,969-55.8% | $125,389-69.7% |
| Participation rate | 62.5% | 84.1%-21.6pp | 76.5%-14.0pp | 83.2%-20.7pp |
| Annual return | -1.00% | 13.93%-14.9pp | 9.32%-10.3pp | 282.24%-283.2pp |
| Employer contribution / active EE | $2,718 | $4,537-40.1% | $3,474-21.8% | $4,866-44.1% |
| Participant deferral / active EE | $1,097 | $4,859-77.4% | $3,829-71.3% | $5,352-79.5% |
| Admin fee / account holder | $25,109 | $8,144+208.3% | $6,053+314.8% | $9,541+163.2% |