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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 | $69,180 | $52,678+31.3% | $75,784-8.7% | $59,633+16.0% |
| Participation rate | 53.3% | 67.2%-13.9pp | 75.8%-22.5pp | 68.7%-15.3pp |
| Annual return | -0.63% | 2.95%-3.6pp | 9.68%-10.3pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $588 | $2,591-77.3% | $3,652-83.9% | $3,192-81.6% |
| Admin fee / account holder | $1,750 | $3,610-51.5% | $5,300-67.0% | $4,297-59.3% |