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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 | $42,700 | $54,357-21.4% | $82,706-48.4% | $68,495-37.7% |
| Participation rate | 23.3% | 63.9%-40.6pp | 72.6%-49.3pp | 67.9%-44.6pp |
| Annual return | -10.96% | -13.67%+2.7pp | 701.76%-712.7pp | -7.84%-3.1pp |
| Employer contribution / active EE | $742 | $2,218-66.5% | $3,007-75.3% | $2,596-71.4% |
| Participant deferral / active EE | $443 | $3,246-86.4% | $4,394-89.9% | $4,028-89.0% |
| Admin fee / account holder | $2,985 | $4,396-32.1% | $5,329-44.0% | $5,403-44.8% |