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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 | $38,135 | $88,672-57.0% | $105,223-63.8% | $82,448-53.7% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 14.43% | 30.86%-16.4pp | 180.65%-166.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,998 | $3,048-34.5% | $3,689-45.8% | $2,551-21.7% |
| Participant deferral / active EE | $953 | $4,036-76.4% | $5,072-81.2% | $4,139-77.0% |
| Admin fee / account holder | $1,524 | $7,146-78.7% | $8,859-82.8% | $7,234-78.9% |