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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 | $61,208 | $82,678-26.0% | $125,391-51.2% | $68,490-10.6% |
| Participation rate | 25.7% | 75.1%-49.3pp | 82.4%-56.7pp | 67.9%-42.2pp |
| Annual return | -17.42% | -5.97%-11.5pp | 572.41%-589.8pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,012 | $3,382-70.1% | $4,816-79.0% | $2,597-61.0% |
| Participant deferral / active EE | $1,856 | $6,111-69.6% | $7,448-75.1% | $4,028-53.9% |
| Admin fee / account holder | $6,375 | $6,277+1.6% | $10,009-36.3% | $5,403+18.0% |