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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 | $35,691 | $62,583-43.0% | $76,767-53.5% | $64,173-44.4% |
| Participation rate | 11.7% | 72.8%-61.2pp | 77.0%-65.3pp | 69.6%-57.9pp |
| Annual return | -1.79% | -1.95%+0.2pp | 2.43%-4.2pp | 7.63%-9.4pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $605 | $3,145-80.8% | $3,852-84.3% | $3,470-82.6% |
| Admin fee / account holder | $9,530 | $4,667+104.2% | $6,675+42.8% | $4,887+95.0% |