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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 | $23,541 | $134,817-82.5% | $123,973-81.0% | $155,188-84.8% |
| Participation rate | 62.5% | 79.4%-16.9pp | 76.7%-14.2pp | 80.8%-18.3pp |
| Annual return | 13.66% | 515.49%-501.8pp | 388.13%-374.5pp | 148.84%-135.2pp |
| Employer contribution / active EE | $955 | $4,425-78.4% | $4,126-76.9% | $4,248-77.5% |
| Participant deferral / active EE | $996 | $5,706-82.5% | $5,247-81.0% | $6,531-84.8% |
| Admin fee / account holder | $4,083 | $13,245-69.2% | $11,799-65.4% | $14,480-71.8% |