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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 | $92,886 | $90,590+2.5% | $90,782+2.3% | $135,380-31.4% |
| Participation rate | 54.2% | 83.7%-29.6pp | 82.7%-28.5pp | 82.6%-28.5pp |
| Annual return | -4.92% | -3.40%-1.5pp | -3.42%-1.5pp | 519.81%-524.7pp |
| Employer contribution / active EE | $0 | $4,352-100.0% | $4,105-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,398 | $5,407-74.1% | $5,366-73.9% | $5,609-75.1% |
| Admin fee / account holder | $7,254 | $7,683-5.6% | $5,908+22.8% | $10,828-33.0% |