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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 | $16,420 | $91,167-82.0% | $178,498-90.8% | $79,858-79.4% |
| Participation rate | 36.1% | 69.2%-33.1pp | 81.9%-45.8pp | 69.6%-33.5pp |
| Annual return | 14.40% | 24.19%-9.8pp | 151.09%-136.7pp | 31.72%-17.3pp |
| Employer contribution / active EE | $625 | $3,255-80.8% | $5,011-87.5% | $2,471-74.7% |
| Participant deferral / active EE | $640 | $3,236-80.2% | $5,202-87.7% | $3,740-82.9% |
| Admin fee / account holder | $790 | $6,747-88.3% | $13,985-94.4% | $5,306-85.1% |