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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 | $26,650 | $60,442-55.9% | $96,754-72.5% | $87,485-69.5% |
| Participation rate | 11.3% | 58.7%-47.5pp | 70.3%-59.0pp | 68.9%-57.7pp |
| Annual return | 18.02% | 21.97%-4.0pp | 82.04%-64.0pp | 26.06%-8.0pp |
| Employer contribution / active EE | $466 | $1,691-72.4% | $2,679-82.6% | $2,596-82.1% |
| Participant deferral / active EE | $801 | $3,280-75.6% | $4,758-83.2% | $4,274-81.3% |
| Admin fee / account holder | $3,921 | $5,069-22.7% | $8,905-56.0% | $7,775-49.6% |