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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 | $32,821 | $123,000-73.3% | $105,582-68.9% | $198,609-83.5% |
| Participation rate | 50.0% | 76.8%-26.8pp | 71.8%-21.8pp | 82.4%-32.4pp |
| Annual return | 21.03% | 18.31%+2.7pp | 18.61%+2.4pp | 202.70%-181.7pp |
| Employer contribution / active EE | $1,800 | $3,582-49.7% | $2,984-39.7% | $5,055-64.4% |
| Participant deferral / active EE | $1,800 | $5,013-64.1% | $4,353-58.7% | $6,977-74.2% |
| Admin fee / account holder | $317 | $16,254-98.0% | $12,856-97.5% | $19,030-98.3% |