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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 | $20,301 | $51,649-60.7% | $124,206-83.7% | $64,097-68.3% |
| Participation rate | 49.3% | 45.2%+4.1pp | 69.6%-20.3pp | 55.2%-5.9pp |
| Annual return | 19.41% | 19.98%-0.6pp | 515.27%-495.9pp | 34.64%-15.2pp |
| Employer contribution / active EE | $1,409 | $1,057+33.3% | $3,540-60.2% | $1,891-25.5% |
| Participant deferral / active EE | $633 | $2,165-70.8% | $3,968-84.0% | $3,080-79.4% |
| Admin fee / account holder | $1,236 | $4,237-70.8% | $5,929-79.2% | $3,454-64.2% |