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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 | $33,406 | $57,352-41.8% | $83,830-60.2% | $64,173-47.9% |
| Participation rate | 48.6% | 68.6%-20.0pp | 76.1%-27.6pp | 69.6%-21.0pp |
| Annual return | -6.23% | 11.38%-17.6pp | 850.97%-857.2pp | 7.63%-13.9pp |
| Employer contribution / active EE | $858 | $2,546-66.3% | $3,631-76.4% | $2,381-64.0% |
| Participant deferral / active EE | $956 | $2,993-68.0% | $4,082-76.6% | $3,470-72.4% |
| Admin fee / account holder | $1,245 | $4,046-69.2% | $5,479-77.3% | $4,887-74.5% |