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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 | $32,191 | $82,678-61.1% | $125,391-74.3% | $68,490-53.0% |
| Participation rate | 58.6% | 75.1%-16.4pp | 82.4%-23.8pp | 67.9%-9.3pp |
| Annual return | -18.89% | -5.97%-12.9pp | 572.41%-591.3pp | -7.85%-11.0pp |
| Employer contribution / active EE | $929 | $3,382-72.5% | $4,816-80.7% | $2,597-64.2% |
| Participant deferral / active EE | $2,057 | $6,111-66.3% | $7,448-72.4% | $4,028-48.9% |
| Admin fee / account holder | $1,702 | $6,277-72.9% | $10,009-83.0% | $5,403-68.5% |