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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 | $26,111 | $72,177-63.8% | $115,038-77.3% | $59,633-56.2% |
| Participation rate | 51.7% | 72.6%-20.8pp | 81.4%-29.6pp | 68.7%-16.9pp |
| Annual return | -1.40% | 12.02%-13.4pp | 26.14%-27.5pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $890 | $2,841-68.7% | $4,608-80.7% | $2,203-59.6% |
| Participant deferral / active EE | $1,722 | $4,783-64.0% | $6,026-71.4% | $3,192-46.1% |
| Admin fee / account holder | $872 | $4,927-82.3% | $8,175-89.3% | $4,297-79.7% |