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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 | $18,389 | $53,162-65.4% | $91,225-79.8% | $68,486-73.1% |
| Participation rate | 51.4% | 63.2%-11.8pp | 73.2%-21.8pp | 67.9%-16.5pp |
| Annual return | -19.54% | -3.14%-16.4pp | 114.12%-133.7pp | -7.85%-11.7pp |
| Employer contribution / active EE | $811 | $1,709-52.6% | $2,851-71.6% | $2,597-68.8% |
| Participant deferral / active EE | $1,005 | $2,974-66.2% | $4,233-76.3% | $4,028-75.1% |
| Admin fee / account holder | $1,921 | $4,493-57.2% | $5,422-64.6% | $5,404-64.4% |