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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 | $51,184-58.0% | $66,439-67.7% | $86,983-75.3% |
| Participation rate | 58.7% | 68.5%-9.8pp | 74.5%-15.8pp | 69.5%-10.8pp |
| Annual return | 349.87% | 17.07%+332.8pp | 757.66%-407.8pp | 25.83%+324.0pp |
| Employer contribution / active EE | $591 | $2,023-70.8% | $2,637-77.6% | $2,584-77.1% |
| Participant deferral / active EE | $699 | $2,927-76.1% | $3,876-82.0% | $4,194-83.3% |
| Admin fee / account holder | $2,726 | $4,154-34.4% | $6,173-55.8% | $7,856-65.3% |