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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 | $22,621 | $103,008-78.0% | $90,304-75.0% | $152,897-85.2% |
| Participation rate | 50.0% | 75.9%-25.9pp | 73.3%-23.3pp | 82.5%-32.5pp |
| Annual return | 16.89% | 95.22%-78.3pp | 78.13%-61.2pp | 345.43%-328.5pp |
| Employer contribution / active EE | $573 | $3,139-81.8% | $2,855-79.9% | $4,764-88.0% |
| Participant deferral / active EE | $656 | $4,281-84.7% | $3,885-83.1% | $5,851-88.8% |
| Admin fee / account holder | $556 | $6,175-91.0% | $5,354-89.6% | $11,599-95.2% |