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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 | $19,197 | $33,067-41.9% | $76,518-74.9% | $56,289-65.9% |
| Participation rate | 24.8% | 55.4%-30.6pp | 68.0%-43.2pp | 69.9%-45.1pp |
| Annual return | -7.26% | 2.72%-10.0pp | -0.27%-7.0pp | -9.96%+2.7pp |
| Employer contribution / active EE | $324 | $1,200-73.0% | $2,647-87.8% | $2,111-84.7% |
| Participant deferral / active EE | $508 | $2,240-77.3% | $3,836-86.8% | $3,350-84.8% |
| Admin fee / account holder | $636 | $537+18.5% | $4,849-86.9% | $521+22.1% |