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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 | $22,828 | $92,219-75.2% | $76,768-70.3% | $135,379-83.1% |
| Participation rate | 60.0% | 79.8%-19.8pp | 77.0%-17.0pp | 82.6%-22.6pp |
| Annual return | -6.47% | 5.46%-11.9pp | 2.43%-8.9pp | 519.79%-526.3pp |
| Employer contribution / active EE | $1,031 | $3,216-67.9% | $2,485-58.5% | $4,779-78.4% |
| Participant deferral / active EE | $1,188 | $4,508-73.7% | $3,852-69.2% | $5,609-78.8% |
| Admin fee / account holder | $3,623 | $10,749-66.3% | $6,675-45.7% | $10,828-66.5% |