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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 | $22,881 | $65,395-65.0% | $182,540-87.5% | $72,975-68.6% |
| Participation rate | 15.5% | 65.4%-49.9pp | 78.0%-62.5pp | 69.5%-54.0pp |
| Annual return | 51.85% | 27.68%+24.2pp | 148.58%-96.7pp | 81.01%-29.2pp |
| Employer contribution / active EE | $352 | $1,911-81.6% | $4,076-91.4% | $2,440-85.6% |
| Participant deferral / active EE | $832 | $3,563-76.6% | $5,525-84.9% | $3,608-76.9% |
| Admin fee / account holder | $548 | $4,245-87.1% | $8,593-93.6% | $5,124-89.3% |