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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 | $18,570 | $82,678-77.5% | $125,391-85.2% | $68,490-72.9% |
| Participation rate | 54.3% | 75.1%-20.8pp | 82.4%-28.1pp | 67.9%-13.6pp |
| Annual return | -16.33% | -5.97%-10.4pp | 572.41%-588.7pp | -7.85%-8.5pp |
| Employer contribution / active EE | $985 | $3,382-70.9% | $4,816-79.5% | $2,597-62.1% |
| Participant deferral / active EE | $1,389 | $6,111-77.3% | $7,448-81.3% | $4,028-65.5% |
| Admin fee / account holder | $3,932 | $6,277-37.4% | $10,009-60.7% | $5,403-27.2% |