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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 | $26,235 | $112,935-76.8% | $90,970-71.2% | $158,966-83.5% |
| Participation rate | 23.5% | 74.7%-51.2pp | 69.0%-45.5pp | 82.0%-58.4pp |
| Annual return | 20.15% | 215.79%-195.6pp | 134.58%-114.4pp | 302.95%-282.8pp |
| Employer contribution / active EE | $481 | $2,895-83.4% | $2,122-77.3% | $4,762-89.9% |
| Participant deferral / active EE | $481 | $4,129-88.3% | $3,373-85.7% | $5,983-92.0% |
| Admin fee / account holder | $1,080 | $8,045-86.6% | $5,960-81.9% | $11,250-90.4% |