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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 | $17,522 | $48,118-63.6% | $136,833-87.2% | $94,015-81.4% |
| Participation rate | 9.3% | 47.4%-38.0pp | 59.0%-49.7pp | 70.8%-61.5pp |
| Annual return | 19.77% | 14.65%+5.1pp | 35.32%-15.6pp | 17.84%+1.9pp |
| Employer contribution / active EE | $122 | $821-85.1% | $1,319-90.7% | $2,790-95.6% |
| Participant deferral / active EE | $311 | $1,651-81.2% | $2,441-87.3% | $4,249-92.7% |
| Admin fee / account holder | $1,906 | $3,059-37.7% | $4,706-59.5% | $8,951-78.7% |