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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 | $24,408 | $107,368-77.3% | $92,915-73.7% | $152,909-84.0% |
| Participation rate | 52.2% | 79.8%-27.6pp | 76.0%-23.8pp | 82.5%-30.3pp |
| Annual return | 16.78% | 145.64%-128.9pp | 109.45%-92.7pp | 345.46%-328.7pp |
| Employer contribution / active EE | $988 | $4,222-76.6% | $3,653-73.0% | $4,764-79.3% |
| Participant deferral / active EE | $1,298 | $4,848-73.2% | $4,238-69.4% | $5,851-77.8% |
| Admin fee / account holder | $6,762 | $7,082-4.5% | $5,796+16.7% | $11,601-41.7% |