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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 | $33,700 | $125,184-73.1% | $105,607-68.1% | $145,884-76.9% |
| Participation rate | 50.0% | 77.6%-27.6pp | 75.3%-25.3pp | 80.3%-30.3pp |
| Annual return | 11.20% | 225.00%-213.8pp | 116.11%-104.9pp | 551.85%-540.7pp |
| Employer contribution / active EE | $972 | $3,720-73.9% | $3,167-69.3% | $4,662-79.1% |
| Participant deferral / active EE | $1,585 | $5,714-72.3% | $5,011-68.4% | $6,690-76.3% |
| Admin fee / account holder | $517 | $17,133-97.0% | $10,958-95.3% | $13,392-96.1% |