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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 | $20,467 | $30,421-32.7% | $56,077-63.5% | $74,429-72.5% |
| Participation rate | 6.2% | 32.9%-26.6pp | 52.5%-46.3pp | 67.2%-61.0pp |
| Annual return | 14.84% | 24.94%-10.1pp | 1709.28%-1694.4pp | 1368.38%-1353.5pp |
| Employer contribution / active EE | $143 | $610-76.5% | $1,040-86.3% | $2,625-94.6% |
| Participant deferral / active EE | $212 | $1,175-81.9% | $1,954-89.1% | $4,348-95.1% |
| Admin fee / account holder | $809 | $2,363-65.8% | $2,825-71.3% | $1,944-58.4% |