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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 | $18,516 | $95,580-80.6% | $76,872-75.9% | $139,466-86.7% |
| Participation rate | 37.5% | 74.0%-36.5pp | 69.6%-32.1pp | 80.3%-42.8pp |
| Annual return | 15.79% | 55.00%-39.2pp | 37.90%-22.1pp | 373.66%-357.9pp |
| Employer contribution / active EE | $2,646 | $3,145-15.9% | $2,533+4.5% | $4,754-44.3% |
| Participant deferral / active EE | $463 | $4,623-90.0% | $3,832-87.9% | $6,712-93.1% |
| Admin fee / account holder | $16,087 | $8,302+93.8% | $5,476+193.8% | $11,409+41.0% |