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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 | $57,634 | $59,819-3.7% | $79,583-27.6% | $68,490-15.9% |
| Participation rate | 0.0% | 61.1%-61.1pp | 69.5%-69.5pp | 67.9%-67.9pp |
| Annual return | -19.02% | -12.30%-6.7pp | 0.16%-19.2pp | -7.85%-11.2pp |
| Employer contribution / active EE | $3,159 | $1,505+109.9% | $2,414+30.9% | $2,597+21.7% |
| Participant deferral / active EE | $1,040 | $3,025-65.6% | $3,986-73.9% | $4,028-74.2% |
| Admin fee / account holder | $5,190 | $4,835+7.3% | $6,835-24.1% | $5,403-3.9% |