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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 | $26,351 | $50,919-48.2% | $155,556-83.1% | $77,762-66.1% |
| Participation rate | 17.7% | 63.1%-45.4pp | 78.2%-60.5pp | 70.6%-52.9pp |
| Annual return | 14.29% | 34.84%-20.5pp | 64.84%-50.5pp | 31.27%-17.0pp |
| Employer contribution / active EE | $426 | $1,991-78.6% | $4,675-90.9% | $2,728-84.4% |
| Participant deferral / active EE | $730 | $2,824-74.2% | $5,631-87.0% | $4,651-84.3% |
| Admin fee / account holder | $1,053 | $437+141.1% | $15,885-93.4% | $433+143.2% |