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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 | $26,883 | $157,304-82.9% | $141,197-81.0% | $152,909-82.4% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 17.12% | 64.34%-47.2pp | 71.41%-54.3pp | 345.46%-328.3pp |
| Employer contribution / active EE | $1,312 | $5,263-75.1% | $4,736-72.3% | $4,764-72.4% |
| Participant deferral / active EE | $1,037 | $7,111-85.4% | $6,710-84.5% | $5,851-82.3% |
| Admin fee / account holder | $419 | $12,126-96.5% | $10,265-95.9% | $11,601-96.4% |