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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 | $44,652 | $106,280-58.0% | $96,538-53.7% | $139,487-68.0% |
| Participation rate | 36.4% | 77.8%-41.5pp | 74.3%-38.0pp | 80.3%-44.0pp |
| Annual return | 11.57% | 38.48%-26.9pp | 35.74%-24.2pp | 373.84%-362.3pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,740-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $927 | $5,457-83.0% | $4,880-81.0% | $6,713-86.2% |
| Admin fee / account holder | $990 | $7,888-87.4% | $6,737-85.3% | $11,407-91.3% |