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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 | $16,293 | $111,785-85.4% | $93,669-82.6% | $145,877-88.8% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 9.94% | 203.79%-193.8pp | 133.59%-123.6pp | 551.28%-541.3pp |
| Employer contribution / active EE | $595 | $3,096-80.8% | $2,424-75.4% | $4,663-87.2% |
| Participant deferral / active EE | $760 | $4,919-84.6% | $4,416-82.8% | $6,691-88.6% |
| Admin fee / account holder | $7,834 | $10,256-23.6% | $8,291-5.5% | $13,402-41.5% |