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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 | $13,971 | $54,757-74.5% | $90,300-84.5% | $72,983-80.9% |
| Participation rate | 15.6% | 65.1%-49.6pp | 73.3%-57.7pp | 69.5%-53.9pp |
| Annual return | 28.56% | 30.63%-2.1pp | 78.11%-49.5pp | 81.01%-52.4pp |
| Employer contribution / active EE | $283 | $2,092-86.5% | $2,854-90.1% | $2,440-88.4% |
| Participant deferral / active EE | $664 | $2,887-77.0% | $3,884-82.9% | $3,608-81.6% |
| Admin fee / account holder | $358 | $3,972-91.0% | $5,353-93.3% | $5,124-93.0% |