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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 | $13,736 | $114,013-88.0% | $103,693-86.8% | $155,188-91.1% |
| Participation rate | 28.6% | 75.2%-46.6pp | 72.6%-44.1pp | 80.8%-52.2pp |
| Annual return | 15.13% | 49.31%-34.2pp | 47.61%-32.5pp | 148.84%-133.7pp |
| Employer contribution / active EE | $723 | $3,131-76.9% | $2,920-75.2% | $4,248-83.0% |
| Participant deferral / active EE | $863 | $4,970-82.6% | $4,579-81.1% | $6,531-86.8% |
| Admin fee / account holder | $4,219 | $8,407-49.8% | $7,858-46.3% | $14,480-70.9% |