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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 | $18,233 | $80,812-77.4% | $160,784-88.7% | $82,448-77.9% |
| Participation rate | 18.8% | 66.2%-47.5pp | 77.0%-58.2pp | 68.1%-49.3pp |
| Annual return | 16.21% | 100.59%-84.4pp | 1803.92%-1787.7pp | 41.64%-25.4pp |
| Employer contribution / active EE | $547 | $2,174-74.9% | $3,733-85.4% | $2,551-78.6% |
| Participant deferral / active EE | $801 | $4,335-81.5% | $6,293-87.3% | $4,139-80.7% |
| Admin fee / account holder | $4,859 | $7,695-36.9% | $9,717-50.0% | $7,234-32.8% |