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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 | $29,378 | $106,247-72.3% | $96,515-69.6% | $139,466-78.9% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 11.92% | 38.47%-26.5pp | 35.73%-23.8pp | 373.66%-361.7pp |
| Employer contribution / active EE | $841 | $4,106-79.5% | $3,740-77.5% | $4,754-82.3% |
| Participant deferral / active EE | $1,108 | $5,456-79.7% | $4,880-77.3% | $6,712-83.5% |
| Admin fee / account holder | $30,960 | $7,885+292.6% | $6,735+359.7% | $11,409+171.4% |