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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 | $92,198 | $99,644-7.5% | $86,438+6.7% | $134,532-31.5% |
| Participation rate | 66.7% | 82.1%-15.4pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -17.33% | 6787.26%-6804.6pp | 4397.19%-4414.5pp | 418.27%-435.6pp |
| Employer contribution / active EE | $696 | $4,402-84.2% | $3,769-81.5% | $4,741-85.3% |
| Participant deferral / active EE | $249 | $7,247-96.6% | $6,952-96.4% | $6,401-96.1% |
| Admin fee / account holder | $1,160 | $8,375-86.1% | $6,733-82.8% | $11,429-89.8% |