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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 | $11,062 | $58,241-81.0% | $81,780-86.5% | $80,911-86.3% |
| Participation rate | 36.0% | 63.4%-27.4pp | 72.4%-36.4pp | 67.6%-31.6pp |
| Annual return | 12.14% | 41.73%-29.6pp | 776.27%-764.1pp | 35.63%-23.5pp |
| Employer contribution / active EE | $686 | $2,343-70.7% | $2,914-76.4% | $2,756-75.1% |
| Participant deferral / active EE | $686 | $3,283-79.1% | $4,321-84.1% | $4,297-84.0% |
| Admin fee / account holder | $433 | $4,973-91.3% | $7,384-94.1% | $6,935-93.8% |