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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 | $12,953 | $40,263-67.8% | $57,347-77.4% | $59,632-78.3% |
| Participation rate | 10.8% | 69.2%-58.4pp | 75.1%-64.3pp | 68.7%-57.9pp |
| Annual return | -0.23% | 27.50%-27.7pp | 24.40%-24.6pp | 2041.32%-2041.5pp |
| Employer contribution / active EE | $0 | $1,922-100.0% | $2,689-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $189 | $2,400-92.1% | $3,162-94.0% | $3,192-94.1% |
| Admin fee / account holder | $9,106 | $2,819+223.1% | $3,356+171.3% | $4,297+111.9% |