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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 | $34,131 | $162,821-79.0% | $133,978-74.5% | $158,982-78.5% |
| Participation rate | 44.4% | 83.2%-38.8pp | 79.8%-35.4pp | 82.0%-37.5pp |
| Annual return | 6.24% | 41.95%-35.7pp | 45.10%-38.9pp | 302.99%-296.8pp |
| Employer contribution / active EE | $0 | $4,976-100.0% | $3,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,501 | $5,910-74.6% | $5,047-70.3% | $5,983-74.9% |
| Admin fee / account holder | $10,570 | $11,742-10.0% | $8,930+18.4% | $11,252-6.1% |