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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 | $185,127 | $100,805+83.6% | $86,698+113.5% | $134,532+37.6% |
| Participation rate | 44.4% | 79.0%-34.5pp | 76.6%-32.1pp | 81.2%-36.8pp |
| Annual return | -17.30% | 29.09%-46.4pp | 35.95%-53.3pp | 418.27%-435.6pp |
| Employer contribution / active EE | $1,034 | $3,490-70.4% | $2,837-63.5% | $4,741-78.2% |
| Participant deferral / active EE | $1,653 | $5,339-69.0% | $4,656-64.5% | $6,401-74.2% |
| Admin fee / account holder | $30,069 | $10,925+175.2% | $7,493+301.3% | $11,429+163.1% |