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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 | $71,731 | $93,124-23.0% | $77,100-7.0% | $134,545-46.7% |
| Participation rate | 33.3% | 74.5%-41.2pp | 67.9%-34.6pp | 81.2%-47.9pp |
| Annual return | -16.72% | 62.68%-79.4pp | 42.35%-59.1pp | 418.37%-435.1pp |
| Employer contribution / active EE | $640 | $3,421-81.3% | $2,815-77.3% | $4,742-86.5% |
| Participant deferral / active EE | $640 | $5,242-87.8% | $4,430-85.6% | $6,401-90.0% |
| Admin fee / account holder | $537 | $6,970-92.3% | $5,443-90.1% | $11,431-95.3% |