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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 | $25,699 | $82,678-68.9% | $125,391-79.5% | $68,490-62.5% |
| Participation rate | 66.7% | 75.1%-8.4pp | 82.4%-15.7pp | 67.9%-1.2pp |
| Annual return | -15.59% | -5.97%-9.6pp | 572.41%-588.0pp | -7.85%-7.7pp |
| Employer contribution / active EE | $1,089 | $3,382-67.8% | $4,816-77.4% | $2,597-58.1% |
| Participant deferral / active EE | $1,350 | $6,111-77.9% | $7,448-81.9% | $4,028-66.5% |
| Admin fee / account holder | $1,404 | $6,277-77.6% | $10,009-86.0% | $5,403-74.0% |