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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 | $10,526 | $125,778-91.6% | $114,563-90.8% | $154,746-93.2% |
| Participation rate | 23.5% | 75.2%-51.7pp | 72.9%-49.4pp | 80.7%-57.2pp |
| Annual return | 15.90% | 295.14%-279.2pp | 241.09%-225.2pp | 172.34%-156.4pp |
| Employer contribution / active EE | $384 | $2,806-86.3% | $2,592-85.2% | $4,379-91.2% |
| Participant deferral / active EE | $555 | $4,445-87.5% | $4,142-86.6% | $6,730-91.8% |
| Admin fee / account holder | $404 | $8,190-95.1% | $7,623-94.7% | $14,365-97.2% |