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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 | $37,670 | $52,519-28.3% | $155,789-75.8% | $59,633-36.8% |
| Participation rate | 55.6% | 61.7%-6.2pp | 76.1%-20.5pp | 68.7%-13.1pp |
| Annual return | -0.59% | 53.51%-54.1pp | 71.54%-72.1pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $809 | $1,589-49.1% | $3,839-78.9% | $2,203-63.3% |
| Participant deferral / active EE | $970 | $3,084-68.5% | $4,798-79.8% | $3,192-69.6% |
| Admin fee / account holder | $5,240 | $3,540+48.0% | $7,477-29.9% | $4,297+22.0% |