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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 | $25,259 | $71,878-64.9% | $86,698-70.9% | $68,486-63.1% |
| Participation rate | 39.3% | 72.2%-33.0pp | 76.6%-37.3pp | 67.9%-28.6pp |
| Annual return | -16.80% | 3.53%-20.3pp | 35.95%-52.8pp | -7.85%-8.9pp |
| Employer contribution / active EE | $585 | $2,173-73.1% | $2,837-79.4% | $2,597-77.5% |
| Participant deferral / active EE | $1,172 | $3,779-69.0% | $4,656-74.8% | $4,028-70.9% |
| Admin fee / account holder | $2,896 | $6,113-52.6% | $7,493-61.4% | $5,404-46.4% |