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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 | $47,479-54.7% | $62,929-65.9% | $82,448-73.9% |
| Participation rate | 58.7% | 66.9%-8.1pp | 73.1%-14.4pp | 68.1%-9.3pp |
| Annual return | 349.87% | 20.34%+329.5pp | 1063.93%-714.1pp | 41.64%+308.2pp |
| Employer contribution / active EE | $591 | $1,885-68.6% | $2,505-76.4% | $2,551-76.8% |
| Participant deferral / active EE | $699 | $2,870-75.6% | $3,888-82.0% | $4,139-83.1% |
| Admin fee / account holder | $2,726 | $3,804-28.3% | $5,065-46.2% | $7,234-62.3% |