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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 | $51,275 | $62,583-18.1% | $76,767-33.2% | $64,173-20.1% |
| Participation rate | 56.8% | 72.8%-16.0pp | 77.0%-20.1pp | 69.6%-12.8pp |
| Annual return | -6.85% | -1.95%-4.9pp | 2.43%-9.3pp | 7.63%-14.5pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $637 | $3,145-79.7% | $3,852-83.5% | $3,470-81.6% |
| Admin fee / account holder | $806 | $4,667-82.7% | $6,675-87.9% | $4,887-83.5% |