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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 | $25,553 | $82,678-69.1% | $125,391-79.6% | $68,490-62.7% |
| Participation rate | 59.1% | 75.1%-16.0pp | 82.4%-23.3pp | 67.9%-8.8pp |
| Annual return | 0.00% | -5.97%+6.0pp | 572.41%-572.4pp | -7.85%+7.9pp |
| Employer contribution / active EE | $762 | $3,382-77.5% | $4,816-84.2% | $2,597-70.7% |
| Participant deferral / active EE | $1,980 | $6,111-67.6% | $7,448-73.4% | $4,028-50.8% |
| Admin fee / account holder | $341 | $6,277-94.6% | $10,009-96.6% | $5,403-93.7% |