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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 | $28,258 | $102,385-72.4% | $147,080-80.8% | $80,935-65.1% |
| Participation rate | 64.4% | 75.9%-11.5pp | 82.2%-17.8pp | 67.7%-3.3pp |
| Annual return | 169.29% | 135.09%+34.2pp | 420.17%-250.9pp | 35.66%+133.6pp |
| Employer contribution / active EE | $1,545 | $3,717-58.4% | $4,933-68.7% | $2,757-44.0% |
| Participant deferral / active EE | $2,183 | $6,651-67.2% | $8,066-72.9% | $4,299-49.2% |
| Admin fee / account holder | $348 | $7,951-95.6% | $12,989-97.3% | $6,924-95.0% |