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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 | $14,896 | $110,410-86.5% | $102,437-85.5% | $145,897-89.8% |
| Participation rate | 52.4% | 77.9%-25.6pp | 74.5%-22.1pp | 80.3%-27.9pp |
| Annual return | 13.45% | 24.85%-11.4pp | 24.95%-11.5pp | 552.29%-538.8pp |
| Employer contribution / active EE | $2,127 | $4,217-49.6% | $3,871-45.1% | $4,663-54.4% |
| Participant deferral / active EE | $1,396 | $5,622-75.2% | $5,060-72.4% | $6,689-79.1% |
| Admin fee / account holder | $878 | $9,745-91.0% | $8,388-89.5% | $13,390-93.4% |