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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 | $21,859 | $95,383-77.1% | $185,837-88.2% | $85,856-74.5% |
| Participation rate | 65.5% | 68.8%-3.2pp | 81.7%-16.2pp | 69.3%-3.8pp |
| Annual return | 11.73% | 23.59%-11.9pp | 122.08%-110.4pp | 318.58%-306.9pp |
| Employer contribution / active EE | $610 | $3,313-81.6% | $5,168-88.2% | $2,565-76.2% |
| Participant deferral / active EE | $873 | $3,423-74.5% | $5,568-84.3% | $3,952-77.9% |
| Admin fee / account holder | $5,782 | $7,213-19.8% | $16,241-64.4% | $6,261-7.6% |