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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 | $20,462 | $48,053-57.4% | $84,623-75.8% | $72,983-72.0% |
| Participation rate | 18.4% | 57.6%-39.2pp | 68.2%-49.8pp | 69.5%-51.1pp |
| Annual return | 21.35% | 37.39%-16.0pp | 258.77%-237.4pp | 81.01%-59.7pp |
| Employer contribution / active EE | $362 | $1,602-77.4% | $2,652-86.3% | $2,440-85.2% |
| Participant deferral / active EE | $782 | $2,681-70.8% | $3,899-80.0% | $3,608-78.3% |
| Admin fee / account holder | $865 | $3,395-74.5% | $4,913-82.4% | $5,124-83.1% |