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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 | $58,206 | $64,729-10.1% | $112,263-48.2% | $68,490-15.0% |
| Participation rate | 42.2% | 67.2%-25.0pp | 75.1%-32.9pp | 67.9%-25.7pp |
| Annual return | -18.63% | -11.40%-7.2pp | 27.49%-46.1pp | -7.85%-10.8pp |
| Employer contribution / active EE | $4,916 | $2,746+79.0% | $3,636+35.2% | $2,597+89.3% |
| Participant deferral / active EE | $1,157 | $3,566-67.5% | $4,729-75.5% | $4,028-71.3% |
| Admin fee / account holder | $5,213 | $5,222-0.2% | $6,410-18.7% | $5,403-3.5% |