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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 | $17,094 | $123,155-86.1% | $108,753-84.3% | $155,188-89.0% |
| Participation rate | 50.0% | 75.6%-25.6pp | 71.1%-21.1pp | 80.8%-30.8pp |
| Annual return | 15.97% | 44.73%-28.8pp | 37.47%-21.5pp | 148.84%-132.9pp |
| Employer contribution / active EE | $747 | $2,811-73.4% | $2,427-69.2% | $4,248-82.4% |
| Participant deferral / active EE | $1,093 | $4,623-76.4% | $4,115-73.4% | $6,531-83.3% |
| Admin fee / account holder | $574 | $12,126-95.3% | $10,320-94.4% | $14,480-96.0% |