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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 | $12,559 | $110,830-88.7% | $86,625-85.5% | $167,553-92.5% |
| Participation rate | 20.0% | 75.8%-55.8pp | 71.6%-51.6pp | 82.1%-62.1pp |
| Annual return | 11.09% | 116.99%-105.9pp | 63.52%-52.4pp | 478.89%-467.8pp |
| Employer contribution / active EE | $503 | $3,245-84.5% | $2,496-79.9% | $4,840-89.6% |
| Participant deferral / active EE | $535 | $4,548-88.2% | $3,700-85.5% | $6,343-91.6% |
| Admin fee / account holder | $733 | $8,420-91.3% | $5,830-87.4% | $12,316-94.0% |