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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 | $52,150 | $87,037-40.1% | $106,201-50.9% | $80,874-35.5% |
| Participation rate | 46.6% | 70.4%-23.9pp | 75.3%-28.7pp | 67.6%-21.1pp |
| Annual return | 10.80% | 17.05%-6.3pp | 116.26%-105.5pp | 35.62%-24.8pp |
| Employer contribution / active EE | $855 | $2,396-64.3% | $3,170-73.0% | $2,756-69.0% |
| Participant deferral / active EE | $1,629 | $3,986-59.1% | $5,012-67.5% | $4,297-62.1% |
| Admin fee / account holder | $5,754 | $8,434-31.8% | $11,039-47.9% | $6,935-17.0% |