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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 | $21,634 | $105,867-79.6% | $90,760-76.2% | $134,532-83.9% |
| Participation rate | 6.3% | 78.3%-72.0pp | 75.7%-69.4pp | 81.2%-75.0pp |
| Annual return | 0.00% | -10.99%+11.0pp | -12.16%+12.2pp | 418.27%-418.3pp |
| Employer contribution / active EE | $2,510 | $3,464-27.5% | $2,922-14.1% | $4,741-47.1% |
| Participant deferral / active EE | $637 | $5,217-87.8% | $4,565-86.0% | $6,401-90.0% |
| Admin fee / account holder | $3,387 | $13,936-75.7% | $8,444-59.9% | $11,429-70.4% |