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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 | $24,359 | $157,304-84.5% | $141,197-82.7% | $152,909-84.1% |
| Participation rate | 60.0% | 84.8%-24.8pp | 82.5%-22.5pp | 82.5%-22.5pp |
| Annual return | 23.89% | 64.34%-40.4pp | 71.41%-47.5pp | 345.46%-321.6pp |
| Employer contribution / active EE | $1,870 | $5,263-64.5% | $4,736-60.5% | $4,764-60.8% |
| Participant deferral / active EE | $1,113 | $7,111-84.3% | $6,710-83.4% | $5,851-81.0% |
| Admin fee / account holder | $1,445 | $12,126-88.1% | $10,265-85.9% | $11,601-87.5% |