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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 | $79,810 | $53,546+49.1% | $69,884+14.2% | $68,486+16.5% |
| Participation rate | 14.7% | 64.5%-49.9pp | 70.5%-55.8pp | 67.9%-53.2pp |
| Annual return | 0.00% | -13.87%+13.9pp | 190.81%-190.8pp | -7.85%+7.9pp |
| Employer contribution / active EE | $522 | $2,019-74.1% | $2,560-79.6% | $2,597-79.9% |
| Participant deferral / active EE | $818 | $2,957-72.3% | $3,848-78.7% | $4,028-79.7% |
| Admin fee / account holder | $640 | $4,693-86.4% | $6,266-89.8% | $5,404-88.2% |