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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 | $19,994 | $110,240-81.9% | $96,544-79.3% | $139,487-85.7% |
| Participation rate | 22.7% | 78.1%-55.4pp | 76.0%-53.3pp | 80.3%-57.6pp |
| Annual return | 33.00% | 26.41%+6.6pp | 25.88%+7.1pp | 373.84%-340.8pp |
| Employer contribution / active EE | $850 | $3,622-76.5% | $2,966-71.3% | $4,755-82.1% |
| Participant deferral / active EE | $1,063 | $5,549-80.9% | $4,851-78.1% | $6,713-84.2% |
| Admin fee / account holder | $846 | $11,602-92.7% | $8,254-89.7% | $11,407-92.6% |