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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 | $48,011-58.1% | $63,803-68.5% | $82,637-75.7% |
| Participation rate | 50.6% | 66.6%-16.0pp | 72.7%-22.1pp | 68.1%-17.5pp |
| Annual return | 13.76% | 19.84%-6.1pp | 543.72%-530.0pp | 53.51%-39.7pp |
| Employer contribution / active EE | $2,265 | $1,904+19.0% | $2,532-10.6% | $2,552-11.3% |
| Participant deferral / active EE | $637 | $2,846-77.6% | $3,843-83.4% | $4,126-84.6% |
| Admin fee / account holder | $907 | $3,873-76.6% | $5,196-82.6% | $7,339-87.6% |