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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 | $25,265 | $157,296-83.9% | $141,191-82.1% | $152,897-83.5% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 20.72% | 64.34%-43.6pp | 71.41%-50.7pp | 345.43%-324.7pp |
| Employer contribution / active EE | $961 | $5,262-81.7% | $4,736-79.7% | $4,764-79.8% |
| Participant deferral / active EE | $2,106 | $7,111-70.4% | $6,710-68.6% | $5,851-64.0% |
| Admin fee / account holder | $6,107 | $12,125-49.6% | $10,264-40.5% | $11,599-47.3% |