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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 | $37,087 | $78,690-52.9% | $161,489-77.0% | $87,485-57.6% |
| Participation rate | 25.0% | 67.5%-42.5pp | 78.7%-53.7pp | 68.9%-43.9pp |
| Annual return | 15.31% | 32.74%-17.4pp | 89.72%-74.4pp | 26.06%-10.8pp |
| Employer contribution / active EE | $529 | $2,588-79.6% | $4,268-87.6% | $2,596-79.6% |
| Participant deferral / active EE | $807 | $3,311-75.6% | $5,630-85.7% | $4,274-81.1% |
| Admin fee / account holder | $869 | $6,724-87.1% | $16,006-94.6% | $7,775-88.8% |