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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 | $74,483 | $73,848+0.9% | $143,799-48.2% | $68,486+8.8% |
| Participation rate | 52.9% | 66.7%-13.7pp | 80.3%-27.4pp | 67.9%-15.0pp |
| Annual return | -7.95% | 0.91%-8.9pp | -0.04%-7.9pp | -7.85%-0.1pp |
| Employer contribution / active EE | $591 | $3,184-81.4% | $4,952-88.1% | $2,597-77.2% |
| Participant deferral / active EE | $232 | $3,385-93.2% | $5,638-95.9% | $4,028-94.3% |
| Admin fee / account holder | $13,698 | $5,755+138.0% | $14,677-6.7% | $5,404+153.5% |