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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 | $60,237 | $127,296-52.7% | $109,907-45.2% | $167,536-64.0% |
| Participation rate | 33.3% | 77.9%-44.5pp | 74.2%-40.9pp | 82.1%-48.8pp |
| Annual return | 11.34% | 22.97%-11.6pp | 29.46%-18.1pp | 478.82%-467.5pp |
| Employer contribution / active EE | $533 | $3,325-84.0% | $2,844-81.2% | $4,839-89.0% |
| Participant deferral / active EE | $667 | $4,513-85.2% | $4,047-83.5% | $6,342-89.5% |
| Admin fee / account holder | $913 | $7,119-87.2% | $6,069-85.0% | $12,315-92.6% |