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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 | $75,541-50.9% | $152,093-75.6% | $82,637-55.1% |
| Participation rate | 25.0% | 66.5%-41.5pp | 77.8%-52.8pp | 68.1%-43.1pp |
| Annual return | 15.31% | 32.56%-17.2pp | 66.36%-51.0pp | 53.51%-38.2pp |
| Employer contribution / active EE | $529 | $2,622-79.8% | $4,175-87.3% | $2,552-79.3% |
| Participant deferral / active EE | $807 | $3,206-74.8% | $5,451-85.2% | $4,126-80.4% |
| Admin fee / account holder | $869 | $6,405-86.4% | $14,497-94.0% | $7,339-88.2% |