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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 | $20,902 | $66,402-68.5% | $109,907-81.0% | $85,847-75.7% |
| Participation rate | 7.4% | 63.9%-56.5pp | 74.2%-66.8pp | 69.3%-61.9pp |
| Annual return | 11.57% | 19.59%-8.0pp | 29.46%-17.9pp | 318.61%-307.0pp |
| Employer contribution / active EE | $648 | $1,687-61.6% | $2,844-77.2% | $2,565-74.8% |
| Participant deferral / active EE | $754 | $2,842-73.5% | $4,047-81.4% | $3,952-80.9% |
| Admin fee / account holder | $977 | $4,557-78.6% | $6,069-83.9% | $6,261-84.4% |