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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 | $55,267 | $44,103+25.3% | $75,826-27.1% | $64,173-13.9% |
| Participation rate | 34.8% | 62.7%-28.0pp | 68.2%-33.4pp | 69.6%-34.8pp |
| Annual return | -5.82% | -4.72%-1.1pp | 1914.15%-1920.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $0 | $1,446-100.0% | $1,913-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $830 | $2,204-62.3% | $2,862-71.0% | $3,470-76.1% |
| Admin fee / account holder | $2,372 | $3,506-32.4% | $4,726-49.8% | $4,887-51.5% |