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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 | $18,730 | $56,110-66.6% | $94,993-80.3% | $70,126-73.3% |
| Participation rate | 36.8% | 65.0%-28.2pp | 73.9%-37.0pp | 69.5%-32.7pp |
| Annual return | 15.58% | 51.02%-35.4pp | 27.14%-11.6pp | 73.15%-57.6pp |
| Employer contribution / active EE | $534 | $1,442-63.0% | $2,603-79.5% | $2,343-77.2% |
| Participant deferral / active EE | $660 | $2,391-72.4% | $3,317-80.1% | $3,332-80.2% |
| Admin fee / account holder | $534 | $3,456-84.5% | $4,960-89.2% | $4,645-88.5% |