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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 | $17,890 | $53,128-66.3% | $86,582-79.3% | $70,126-74.5% |
| Participation rate | 19.7% | 65.3%-45.6pp | 73.5%-53.9pp | 69.5%-49.8pp |
| Annual return | 75.05% | 27.66%+47.4pp | 965.08%-890.0pp | 73.15%+1.9pp |
| Employer contribution / active EE | $310 | $2,068-85.0% | $2,839-89.1% | $2,343-86.8% |
| Participant deferral / active EE | $670 | $2,695-75.1% | $3,609-81.4% | $3,332-79.9% |
| Admin fee / account holder | $481 | $3,584-86.6% | $4,904-90.2% | $4,645-89.7% |