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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 | $21,659 | $125,184-82.7% | $105,607-79.5% | $145,884-85.2% |
| Participation rate | 66.7% | 77.6%-11.0pp | 75.3%-8.6pp | 80.3%-13.6pp |
| Annual return | 12.79% | 225.00%-212.2pp | 116.11%-103.3pp | 551.85%-539.1pp |
| Employer contribution / active EE | $882 | $3,720-76.3% | $3,167-72.1% | $4,662-81.1% |
| Participant deferral / active EE | $995 | $5,714-82.6% | $5,011-80.2% | $6,690-85.1% |
| Admin fee / account holder | $3,036 | $17,133-82.3% | $10,958-72.3% | $13,392-77.3% |