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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 | $4,534 | $29,716-84.7% | $56,077-91.9% | $80,925-94.4% |
| Participation rate | 59.3% | 41.7%+17.6pp | 52.5%+6.8pp | 67.7%-8.3pp |
| Annual return | 12.79% | 35.30%-22.5pp | 1709.28%-1696.5pp | 35.65%-22.9pp |
| Employer contribution / active EE | $324 | $671-51.7% | $1,040-68.9% | $2,756-88.2% |
| Participant deferral / active EE | $220 | $1,228-82.1% | $1,954-88.7% | $4,299-94.9% |
| Admin fee / account holder | $8,451 | $2,432+247.5% | $2,825+199.2% | $6,940+21.8% |