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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 | $16,939 | $148,629-88.6% | $135,982-87.5% | $139,487-87.9% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 13.83% | 79.33%-65.5pp | 68.32%-54.5pp | 373.84%-360.0pp |
| Employer contribution / active EE | $1,446 | $5,247-72.4% | $4,859-70.2% | $4,755-69.6% |
| Participant deferral / active EE | $1,446 | $8,102-82.2% | $7,760-81.4% | $6,713-78.5% |
| Admin fee / account holder | $6,305 | $12,406-49.2% | $10,767-41.4% | $11,407-44.7% |