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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 | $55,457-61.3% | $77,361-72.2% | $94,015-77.1% |
| Participation rate | 58.7% | 69.8%-11.1pp | 75.0%-16.2pp | 70.8%-12.1pp |
| Annual return | 349.87% | 15.57%+334.3pp | 1011.54%-661.7pp | 17.84%+332.0pp |
| Employer contribution / active EE | $591 | $2,255-73.8% | $2,990-80.2% | $2,790-78.8% |
| Participant deferral / active EE | $699 | $3,069-77.2% | $3,911-82.1% | $4,249-83.5% |
| Admin fee / account holder | $2,726 | $4,334-37.1% | $5,894-53.7% | $8,951-69.5% |