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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 | $42,801 | $59,813-28.4% | $79,580-46.2% | $68,486-37.5% |
| Participation rate | 42.2% | 61.1%-18.8pp | 69.5%-27.3pp | 67.9%-25.7pp |
| Annual return | -12.69% | -12.30%-0.4pp | 0.15%-12.8pp | -7.85%-4.8pp |
| Employer contribution / active EE | $754 | $1,505-49.9% | $2,413-68.8% | $2,597-71.0% |
| Participant deferral / active EE | $945 | $3,024-68.7% | $3,985-76.3% | $4,028-76.5% |
| Admin fee / account holder | $9,205 | $4,835+90.4% | $6,835+34.7% | $5,404+70.3% |