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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 | $20,325 | $29,319-30.7% | $52,425-61.2% | $82,448-75.3% |
| Participation rate | 44.7% | 46.9%-2.1pp | 55.6%-10.9pp | 68.1%-23.3pp |
| Annual return | 16.04% | 535.20%-519.2pp | 302.12%-286.1pp | 41.64%-25.6pp |
| Employer contribution / active EE | $1,755 | $586+199.2% | $914+92.0% | $2,551-31.2% |
| Participant deferral / active EE | $232 | $1,171-80.2% | $1,790-87.0% | $4,139-94.4% |
| Admin fee / account holder | $341 | $1,962-82.6% | $2,495-86.3% | $7,234-95.3% |