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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 | $21,487 | $50,554-57.5% | $67,681-68.3% | $87,485-75.4% |
| Participation rate | 58.7% | 67.7%-9.0pp | 73.7%-15.0pp | 68.9%-10.2pp |
| Annual return | 349.87% | 17.81%+332.1pp | 590.58%-240.7pp | 26.06%+323.8pp |
| Employer contribution / active EE | $591 | $1,988-70.3% | $2,678-77.9% | $2,596-77.2% |
| Participant deferral / active EE | $699 | $2,961-76.4% | $3,976-82.4% | $4,274-83.6% |
| Admin fee / account holder | $2,726 | $4,132-34.0% | $6,100-55.3% | $7,775-64.9% |