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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 | $59,384 | $100,811-41.1% | $86,698-31.5% | $134,545-55.9% |
| Participation rate | 33.3% | 79.0%-45.6pp | 76.6%-43.3pp | 81.2%-47.9pp |
| Annual return | -18.47% | 29.11%-47.6pp | 35.96%-54.4pp | 418.37%-436.8pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $1,644 | $5,339-69.2% | $4,656-64.7% | $6,401-74.3% |
| Admin fee / account holder | $574 | $10,926-94.7% | $7,492-92.3% | $11,431-95.0% |