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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 | $20,756 | $45,872-54.8% | $77,096-73.1% | $68,486-69.7% |
| Participation rate | 12.5% | 55.9%-43.4pp | 67.9%-55.4pp | 67.9%-55.4pp |
| Annual return | -19.17% | 1.73%-20.9pp | 42.35%-61.5pp | -7.85%-11.3pp |
| Employer contribution / active EE | $408 | $1,650-75.3% | $2,814-85.5% | $2,597-84.3% |
| Participant deferral / active EE | $408 | $2,963-86.2% | $4,429-90.8% | $4,028-89.9% |
| Admin fee / account holder | $9,889 | $3,041+225.2% | $5,428+82.2% | $5,404+83.0% |