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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 | $6,538 | $27,639-76.3% | $61,501-89.4% | $68,490-90.5% |
| Participation rate | 11.1% | 39.5%-28.4pp | 52.6%-41.5pp | 67.9%-56.8pp |
| Annual return | -17.79% | -13.19%-4.6pp | 339.04%-356.8pp | -7.85%-9.9pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,160-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $202 | $1,264-84.1% | $2,125-90.5% | $4,028-95.0% |
| Admin fee / account holder | $952 | $2,012-52.7% | $2,132-55.4% | $5,403-82.4% |