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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 | $25,730 | $85,766-70.0% | $136,298-81.1% | $70,126-63.3% |
| Participation rate | 62.3% | 74.2%-11.9pp | 81.9%-19.7pp | 69.5%-7.3pp |
| Annual return | 15.26% | 31.46%-16.2pp | 5156.27%-5141.0pp | 73.15%-57.9pp |
| Employer contribution / active EE | $2,681 | $2,966-9.6% | $4,696-42.9% | $2,343+14.5% |
| Participant deferral / active EE | $1,328 | $5,051-73.7% | $6,247-78.7% | $3,332-60.1% |
| Admin fee / account holder | $1,644 | $5,421-69.7% | $9,244-82.2% | $4,645-64.6% |