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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 | $37,526 | $58,093-35.4% | $80,022-53.1% | $56,289-33.3% |
| Participation rate | 41.3% | 73.6%-32.4pp | 75.8%-34.6pp | 69.9%-28.6pp |
| Annual return | -4.29% | 34.63%-38.9pp | 11.22%-15.5pp | -9.96%+5.7pp |
| Employer contribution / active EE | $500 | $1,933-74.1% | $2,468-79.7% | $2,111-76.3% |
| Participant deferral / active EE | $1,324 | $3,136-57.8% | $3,686-64.1% | $3,350-60.5% |
| Admin fee / account holder | $3,411 | $623+447.9% | $6,521-47.7% | $521+554.8% |