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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 | $43,493 | $49,177-11.6% | $79,476-45.3% | $64,181-32.2% |
| Participation rate | 15.0% | 65.0%-50.0pp | 73.3%-58.3pp | 69.6%-54.6pp |
| Annual return | -6.59% | -1.16%-5.4pp | 718.21%-724.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $457 | $2,076-78.0% | $2,800-83.7% | $2,381-80.8% |
| Participant deferral / active EE | $289 | $2,821-89.7% | $3,704-92.2% | $3,470-91.7% |
| Admin fee / account holder | $1,908 | $3,839-50.3% | $5,113-62.7% | $4,887-61.0% |