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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 | $27,857 | $77,901-64.2% | $149,717-81.4% | $75,181-62.9% |
| Participation rate | 36.4% | 65.6%-29.2pp | 78.8%-42.4pp | 67.2%-30.8pp |
| Annual return | 16.08% | 31.73%-15.6pp | 134.41%-118.3pp | 160.69%-144.6pp |
| Employer contribution / active EE | $524 | $3,137-83.3% | $4,820-89.1% | $2,671-80.4% |
| Participant deferral / active EE | $807 | $3,411-76.4% | $5,682-85.8% | $4,126-80.5% |
| Admin fee / account holder | $1,799 | $5,949-69.8% | $13,213-86.4% | $5,650-68.2% |