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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 | $89,259-57.3% | $107,187-64.4% | $82,637-53.9% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 14.43% | 21.02%-6.6pp | 204.55%-190.1pp | 53.51%-39.1pp |
| Employer contribution / active EE | $1,998 | $3,080-35.1% | $3,782-47.2% | $2,552-21.7% |
| Participant deferral / active EE | $953 | $4,037-76.4% | $5,096-81.3% | $4,126-76.9% |
| Admin fee / account holder | $1,524 | $7,381-79.3% | $9,162-83.4% | $7,339-79.2% |