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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 | $19,527 | $82,674-76.4% | $125,381-84.4% | $68,486-71.5% |
| Participation rate | 68.3% | 75.1%-6.8pp | 82.4%-14.1pp | 67.9%+0.4pp |
| Annual return | -14.88% | -5.97%-8.9pp | 572.31%-587.2pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,175 | $3,382-65.3% | $4,815-75.6% | $2,597-54.8% |
| Participant deferral / active EE | $2,145 | $6,111-64.9% | $7,448-71.2% | $4,028-46.7% |
| Admin fee / account holder | $1,110 | $6,277-82.3% | $10,007-88.9% | $5,404-79.5% |