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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 | $23,780 | $124,346-80.9% | $111,308-78.6% | $167,536-85.8% |
| Participation rate | 31.8% | 79.6%-47.8pp | 77.3%-45.5pp | 82.1%-50.3pp |
| Annual return | 10.17% | 37.45%-27.3pp | 54.67%-44.5pp | 478.82%-468.6pp |
| Employer contribution / active EE | $740 | $3,437-78.5% | $2,732-72.9% | $4,839-84.7% |
| Participant deferral / active EE | $1,209 | $5,182-76.7% | $4,487-73.1% | $6,342-80.9% |
| Admin fee / account holder | $5,747 | $10,621-45.9% | $7,965-27.9% | $12,315-53.3% |