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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 | $11,108 | $108,285-89.7% | $77,552-85.7% | $158,982-93.0% |
| Participation rate | 33.3% | 64.4%-31.1pp | 54.2%-20.9pp | 82.0%-48.6pp |
| Annual return | 12.77% | 31.69%-18.9pp | 54.82%-42.1pp | 302.99%-290.2pp |
| Employer contribution / active EE | $56 | $1,325-95.8% | $987-94.3% | $4,763-98.8% |
| Participant deferral / active EE | $56 | $2,455-97.7% | $1,861-97.0% | $5,983-99.1% |
| Admin fee / account holder | $1,348 | $3,709-63.7% | $2,859-52.9% | $11,252-88.0% |