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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 | $42,611 | $82,678-48.5% | $125,391-66.0% | $68,490-37.8% |
| Participation rate | 52.7% | 75.1%-22.3pp | 82.4%-29.6pp | 67.9%-15.1pp |
| Annual return | -17.03% | -5.97%-11.1pp | 572.41%-589.4pp | -7.85%-9.2pp |
| Employer contribution / active EE | $790 | $3,382-76.6% | $4,816-83.6% | $2,597-69.6% |
| Participant deferral / active EE | $836 | $6,111-86.3% | $7,448-88.8% | $4,028-79.2% |
| Admin fee / account holder | $1,089 | $6,277-82.7% | $10,009-89.1% | $5,403-79.8% |