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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 | $16,024 | $111,814-85.7% | $103,374-84.5% | $145,959-89.0% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 11.27% | 24.77%-13.5pp | 24.89%-13.6pp | 561.95%-550.7pp |
| Employer contribution / active EE | $1,235 | $4,214-70.7% | $3,869-68.1% | $4,661-73.5% |
| Participant deferral / active EE | $506 | $5,618-91.0% | $5,058-90.0% | $6,689-92.4% |
| Admin fee / account holder | $1,208 | $9,754-87.6% | $8,394-85.6% | $13,398-91.0% |