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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 | $51,736-60.8% | $120,225-83.1% | $67,986-70.1% |
| Participation rate | 49.3% | 46.1%+3.2pp | 69.6%-20.3pp | 57.2%-7.9pp |
| Annual return | 19.41% | 31.98%-12.6pp | 439.23%-419.8pp | 31.67%-12.3pp |
| Employer contribution / active EE | $1,409 | $1,071+31.5% | $3,475-59.5% | $2,019-30.2% |
| Participant deferral / active EE | $633 | $2,206-71.3% | $3,999-84.2% | $3,358-81.2% |
| Admin fee / account holder | $1,236 | $4,159-70.3% | $5,696-78.3% | $3,203-61.4% |