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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 | $22,895 | $54,729-58.2% | $86,235-73.5% | $71,529-68.0% |
| Participation rate | 15.0% | 60.1%-45.2pp | 69.0%-54.0pp | 67.9%-53.0pp |
| Annual return | 21.17% | 20.07%+1.1pp | 1170.03%-1148.9pp | 28.97%-7.8pp |
| Employer contribution / active EE | $475 | $1,267-62.5% | $2,381-80.1% | $2,590-81.7% |
| Participant deferral / active EE | $692 | $3,110-77.7% | $3,987-82.6% | $4,291-83.9% |
| Admin fee / account holder | $2,484 | $1,921+29.3% | $6,856-63.8% | $1,588+56.4% |