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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 | $21,590 | $107,368-79.9% | $92,915-76.8% | $152,909-85.9% |
| Participation rate | 42.1% | 79.8%-37.7pp | 76.0%-33.9pp | 82.5%-40.4pp |
| Annual return | 17.24% | 145.64%-128.4pp | 109.45%-92.2pp | 345.46%-328.2pp |
| Employer contribution / active EE | $759 | $4,222-82.0% | $3,653-79.2% | $4,764-84.1% |
| Participant deferral / active EE | $1,036 | $4,848-78.6% | $4,238-75.5% | $5,851-82.3% |
| Admin fee / account holder | $11,581 | $7,082+63.5% | $5,796+99.8% | $11,601-0.2% |