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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 | $28,452 | $56,484-49.6% | $169,452-83.2% | $64,173-55.7% |
| Participation rate | 55.6% | 64.5%-9.0pp | 77.8%-22.2pp | 69.6%-14.0pp |
| Annual return | -5.16% | -1.55%-3.6pp | 1.83%-7.0pp | 7.63%-12.8pp |
| Employer contribution / active EE | $569 | $1,832-68.9% | $4,157-86.3% | $2,381-76.1% |
| Participant deferral / active EE | $738 | $3,448-78.6% | $5,277-86.0% | $3,470-78.7% |
| Admin fee / account holder | $2,137 | $4,174-48.8% | $9,110-76.5% | $4,887-56.3% |