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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 | $24,758 | $82,678-70.1% | $125,391-80.3% | $68,490-63.9% |
| Participation rate | 69.2% | 75.1%-5.8pp | 82.4%-13.2pp | 67.9%+1.3pp |
| Annual return | -18.94% | -5.97%-13.0pp | 572.41%-591.4pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,081 | $3,382-68.0% | $4,816-77.6% | $2,597-58.4% |
| Participant deferral / active EE | $2,085 | $6,111-65.9% | $7,448-72.0% | $4,028-48.2% |
| Admin fee / account holder | $636 | $6,277-89.9% | $10,009-93.6% | $5,403-88.2% |