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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 | $43,974 | $77,817-43.5% | $123,553-64.4% | $64,173-31.5% |
| Participation rate | 33.3% | 74.7%-41.4pp | 82.3%-49.0pp | 69.6%-36.2pp |
| Annual return | 11.01% | 12.49%-1.5pp | 119.21%-108.2pp | 7.63%+3.4pp |
| Employer contribution / active EE | $687 | $3,014-77.2% | $4,628-85.2% | $2,381-71.1% |
| Participant deferral / active EE | $644 | $5,240-87.7% | $6,426-90.0% | $3,470-81.4% |
| Admin fee / account holder | $1,718 | $5,519-68.9% | $9,284-81.5% | $4,887-64.9% |