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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 | $11,113 | $26,137-57.5% | $58,561-81.0% | $74,460-85.1% |
| Participation rate | 6.7% | 32.2%-25.4pp | 50.9%-44.1pp | 70.7%-64.0pp |
| Annual return | 56.42% | 32.53%+23.9pp | 4251.33%-4194.9pp | 34.38%+22.0pp |
| Employer contribution / active EE | $178 | $537-66.8% | $1,053-83.1% | $2,638-93.2% |
| Participant deferral / active EE | $259 | $1,076-75.9% | $1,923-86.5% | $4,530-94.3% |
| Admin fee / account holder | $563 | $648-13.1% | $2,520-77.7% | $348+61.9% |