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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 | $34,146 | $63,346-46.1% | $92,240-63.0% | $70,126-51.3% |
| Participation rate | 47.2% | 68.7%-21.4pp | 76.5%-29.3pp | 69.5%-22.3pp |
| Annual return | 15.05% | 530.19%-515.1pp | 176.29%-161.2pp | 73.15%-58.1pp |
| Employer contribution / active EE | $696 | $2,471-71.8% | $3,680-81.1% | $2,343-70.3% |
| Participant deferral / active EE | $853 | $2,854-70.1% | $3,897-78.1% | $3,332-74.4% |
| Admin fee / account holder | $3,063 | $3,841-20.2% | $5,194-41.0% | $4,645-34.1% |