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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 | $11,987 | $110,379-89.1% | $102,412-88.3% | $145,884-91.8% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 13.57% | 24.84%-11.3pp | 24.94%-11.4pp | 551.85%-538.3pp |
| Employer contribution / active EE | $994 | $4,216-76.4% | $3,870-74.3% | $4,662-78.7% |
| Participant deferral / active EE | $1,440 | $5,622-74.4% | $5,060-71.5% | $6,690-78.5% |
| Admin fee / account holder | $2,907 | $9,745-70.2% | $8,388-65.3% | $13,392-78.3% |