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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 | $25,298 | $118,496-78.7% | $98,461-74.3% | $139,466-81.9% |
| Participation rate | 50.0% | 77.5%-27.5pp | 75.2%-25.2pp | 80.3%-30.3pp |
| Annual return | 16.03% | 18.96%-2.9pp | 21.17%-5.1pp | 373.66%-357.6pp |
| Employer contribution / active EE | $931 | $3,611-74.2% | $3,049-69.5% | $4,754-80.4% |
| Participant deferral / active EE | $1,387 | $5,393-74.3% | $4,738-70.7% | $6,712-79.3% |
| Admin fee / account holder | $12,446 | $14,056-11.5% | $8,961+38.9% | $11,409+9.1% |