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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 | $19,517 | $46,697-58.2% | $117,529-83.4% | $68,490-71.5% |
| Participation rate | 35.9% | 56.8%-20.9pp | 70.6%-34.7pp | 67.9%-32.0pp |
| Annual return | -13.28% | -14.52%+1.2pp | 29.77%-43.0pp | -7.85%-5.4pp |
| Employer contribution / active EE | $672 | $1,506-55.4% | $4,179-83.9% | $2,597-74.1% |
| Participant deferral / active EE | $798 | $2,637-69.7% | $4,072-80.4% | $4,028-80.2% |
| Admin fee / account holder | $5,454 | $4,023+35.6% | $5,645-3.4% | $5,403+0.9% |