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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 | $29,334 | $46,732-37.2% | $156,551-81.3% | $55,167-46.8% |
| Participation rate | 12.6% | 65.8%-53.2pp | 84.0%-71.4pp | 69.0%-56.4pp |
| Annual return | 8.55% | 17.72%-9.2pp | 32.23%-23.7pp | 169.23%-160.7pp |
| Employer contribution / active EE | $546 | $2,105-74.1% | $5,501-90.1% | $1,963-72.2% |
| Participant deferral / active EE | $249 | $2,204-88.7% | $4,871-94.9% | $3,054-91.9% |
| Admin fee / account holder | $7,980 | $418+1807.5% | $13,028-38.7% | $504+1483.7% |