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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 | $139,845 | $82,678+69.1% | $125,391+11.5% | $68,490+104.2% |
| Participation rate | 29.6% | 75.1%-45.4pp | 82.4%-52.8pp | 67.9%-38.3pp |
| Annual return | -16.47% | -5.97%-10.5pp | 572.41%-588.9pp | -7.85%-8.6pp |
| Employer contribution / active EE | $762 | $3,382-77.5% | $4,816-84.2% | $2,597-70.6% |
| Participant deferral / active EE | $2,367 | $6,111-61.3% | $7,448-68.2% | $4,028-41.2% |
| Admin fee / account holder | $5,742 | $6,277-8.5% | $10,009-42.6% | $5,403+6.3% |