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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 | $20,100 | $47,479-57.7% | $62,929-68.1% | $82,448-75.6% |
| Participation rate | 50.6% | 66.9%-16.3pp | 73.1%-22.5pp | 68.1%-17.5pp |
| Annual return | 13.76% | 20.34%-6.6pp | 1063.93%-1050.2pp | 41.64%-27.9pp |
| Employer contribution / active EE | $2,265 | $1,885+20.1% | $2,505-9.6% | $2,551-11.2% |
| Participant deferral / active EE | $637 | $2,870-77.8% | $3,888-83.6% | $4,139-84.6% |
| Admin fee / account holder | $907 | $3,804-76.2% | $5,065-82.1% | $7,234-87.5% |