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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 | $14,769 | $81,358-81.8% | $155,556-90.5% | $80,959-81.8% |
| Participation rate | 13.1% | 66.3%-53.2pp | 78.2%-65.1pp | 67.7%-54.6pp |
| Annual return | 17.32% | 33.39%-16.1pp | 64.84%-47.5pp | 35.67%-18.4pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $218 | $3,455-93.7% | $5,631-96.1% | $4,300-94.9% |
| Admin fee / account holder | $745 | $7,994-90.7% | $15,885-95.3% | $6,925-89.2% |