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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 | $44,079 | $71,873-38.7% | $86,698-49.2% | $68,490-35.6% |
| Participation rate | 53.6% | 72.2%-18.6pp | 76.6%-23.0pp | 67.9%-14.3pp |
| Annual return | -13.94% | 3.54%-17.5pp | 35.96%-49.9pp | -7.85%-6.1pp |
| Employer contribution / active EE | $703 | $2,173-67.7% | $2,837-75.2% | $2,597-72.9% |
| Participant deferral / active EE | $1,168 | $3,779-69.1% | $4,656-74.9% | $4,028-71.0% |
| Admin fee / account holder | $2,606 | $6,110-57.3% | $7,492-65.2% | $5,403-51.8% |