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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 | $14,285 | $90,397-84.2% | $76,002-81.2% | $145,959-90.2% |
| Participation rate | 66.7% | 74.5%-7.8pp | 69.1%-2.4pp | 80.3%-13.6pp |
| Annual return | 9.41% | 621.97%-612.6pp | 360.07%-350.7pp | 561.95%-552.5pp |
| Employer contribution / active EE | $913 | $3,317-72.5% | $2,688-66.0% | $4,661-80.4% |
| Participant deferral / active EE | $1,034 | $5,163-80.0% | $4,257-75.7% | $6,689-84.5% |
| Admin fee / account holder | $2,789 | $8,369-66.7% | $6,414-56.5% | $13,398-79.2% |