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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 | $58,565 | $118,496-50.6% | $98,461-40.5% | $139,466-58.0% |
| Participation rate | 50.0% | 77.5%-27.5pp | 75.2%-25.2pp | 80.3%-30.3pp |
| Annual return | 13.92% | 18.96%-5.0pp | 21.17%-7.3pp | 373.66%-359.7pp |
| Employer contribution / active EE | $1,832 | $3,611-49.3% | $3,049-39.9% | $4,754-61.5% |
| Participant deferral / active EE | $950 | $5,393-82.4% | $4,738-80.0% | $6,712-85.9% |
| Admin fee / account holder | $467 | $14,056-96.7% | $8,961-94.8% | $11,409-95.9% |