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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 | $23,010 | $65,390-64.8% | $169,385-86.4% | $71,495-67.8% |
| Participation rate | 11.9% | 67.0%-55.1pp | 77.2%-65.3pp | 67.9%-56.1pp |
| Annual return | 15.74% | 21.31%-5.6pp | 405.82%-390.1pp | 28.85%-13.1pp |
| Employer contribution / active EE | $513 | $2,079-75.3% | $4,012-87.2% | $2,589-80.2% |
| Participant deferral / active EE | $1,611 | $4,367-63.1% | $6,221-74.1% | $4,291-62.5% |
| Admin fee / account holder | $3,884 | $1,324+193.3% | $9,011-56.9% | $1,588+144.6% |