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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 | $28,796 | $53,128-45.8% | $86,581-66.7% | $70,124-58.9% |
| Participation rate | 67.7% | 65.3%+2.4pp | 73.5%-5.8pp | 69.5%-1.8pp |
| Annual return | 0.00% | 27.66%-27.7pp | 965.06%-965.1pp | 73.14%-73.1pp |
| Employer contribution / active EE | $400 | $2,068-80.6% | $2,840-85.9% | $2,342-82.9% |
| Participant deferral / active EE | $665 | $2,695-75.3% | $3,609-81.6% | $3,332-80.0% |
| Admin fee / account holder | $650 | $3,584-81.9% | $4,904-86.7% | $4,645-86.0% |