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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 | $20,939 | $105,866-80.2% | $90,766-76.9% | $134,545-84.4% |
| Participation rate | 41.7% | 78.3%-36.6pp | 75.7%-34.0pp | 81.2%-39.6pp |
| Annual return | -11.70% | -10.99%-0.7pp | -12.16%+0.5pp | 418.37%-430.1pp |
| Employer contribution / active EE | $751 | $3,464-78.3% | $2,922-74.3% | $4,742-84.2% |
| Participant deferral / active EE | $1,309 | $5,217-74.9% | $4,565-71.3% | $6,401-79.5% |
| Admin fee / account holder | $2,111 | $13,938-84.9% | $8,446-75.0% | $11,431-81.5% |