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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 | $30,712 | $82,674-62.9% | $125,381-75.5% | $68,486-55.2% |
| Participation rate | 54.8% | 75.1%-20.3pp | 82.4%-27.6pp | 67.9%-13.1pp |
| Annual return | -14.30% | -5.97%-8.3pp | 572.31%-586.6pp | -7.85%-6.4pp |
| Employer contribution / active EE | $1,081 | $3,382-68.0% | $4,815-77.6% | $2,597-58.4% |
| Participant deferral / active EE | $2,385 | $6,111-61.0% | $7,448-68.0% | $4,028-40.8% |
| Admin fee / account holder | $17,372 | $6,277+176.8% | $10,007+73.6% | $5,404+221.5% |