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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 | $11,517 | $99,995-88.5% | $85,063-86.5% | $145,978-92.1% |
| Participation rate | 47.4% | 74.1%-26.7pp | 67.5%-20.1pp | 80.3%-32.9pp |
| Annual return | 9.87% | 83.99%-74.1pp | 66.54%-56.7pp | 550.52%-540.6pp |
| Employer contribution / active EE | $725 | $3,231-77.6% | $2,727-73.4% | $4,662-84.4% |
| Participant deferral / active EE | $783 | $5,295-85.2% | $4,523-82.7% | $6,690-88.3% |
| Admin fee / account holder | $1,026 | $7,255-85.9% | $6,155-83.3% | $13,400-92.3% |