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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 | $26,741 | $101,063-73.5% | $81,473-67.2% | $147,586-81.9% |
| Participation rate | 46.2% | 74.5%-28.3pp | 68.0%-21.8pp | 82.8%-36.7pp |
| Annual return | 10.99% | 32.41%-21.4pp | 38.78%-27.8pp | 578.59%-567.6pp |
| Employer contribution / active EE | $418 | $3,206-87.0% | $2,568-83.7% | $4,876-91.4% |
| Participant deferral / active EE | $467 | $4,242-89.0% | $3,537-86.8% | $5,439-91.4% |
| Admin fee / account holder | $1,016 | $5,812-82.5% | $4,561-77.7% | $10,886-90.7% |