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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 | $22,213 | $62,592-64.5% | $85,693-74.1% | $85,856-74.1% |
| Participation rate | 19.5% | 61.1%-41.6pp | 69.9%-50.4pp | 69.3%-49.8pp |
| Annual return | 12.20% | 23.77%-11.6pp | 21.49%-9.3pp | 318.58%-306.4pp |
| Employer contribution / active EE | $330 | $1,755-81.2% | $2,618-87.4% | $2,565-87.1% |
| Participant deferral / active EE | $777 | $2,802-72.3% | $3,923-80.2% | $3,952-80.3% |
| Admin fee / account holder | $1,691 | $4,643-63.6% | $6,874-75.4% | $6,261-73.0% |