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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 | $10,465 | $103,000-89.8% | $90,300-88.4% | $152,885-93.2% |
| Participation rate | 33.3% | 75.9%-42.5pp | 73.3%-39.9pp | 82.5%-49.1pp |
| Annual return | 27.19% | 95.19%-68.0pp | 78.11%-50.9pp | 345.39%-318.2pp |
| Employer contribution / active EE | $887 | $3,138-71.7% | $2,854-68.9% | $4,763-81.4% |
| Participant deferral / active EE | $653 | $4,281-84.7% | $3,884-83.2% | $5,851-88.8% |
| Admin fee / account holder | $1,063 | $6,173-82.8% | $5,353-80.1% | $11,598-90.8% |