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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 | $20,421 | $81,262-74.9% | $155,602-86.9% | $80,911-74.8% |
| Participation rate | 48.8% | 66.2%-17.5pp | 78.2%-29.4pp | 67.6%-18.9pp |
| Annual return | 16.54% | 33.34%-16.8pp | 64.81%-48.3pp | 35.63%-19.1pp |
| Employer contribution / active EE | $1,781 | $3,102-42.6% | $4,675-61.9% | $2,756-35.4% |
| Participant deferral / active EE | $895 | $3,451-74.1% | $5,629-84.1% | $4,297-79.2% |
| Admin fee / account holder | $915 | $7,992-88.6% | $15,923-94.3% | $6,935-86.8% |