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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 | $14,201 | $91,179-84.4% | $178,499-92.0% | $79,852-82.2% |
| Participation rate | 34.7% | 69.2%-34.5pp | 81.9%-47.2pp | 69.6%-34.9pp |
| Annual return | 27.80% | 24.19%+3.6pp | 151.10%-123.3pp | 31.72%-3.9pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $593 | $3,236-81.7% | $5,202-88.6% | $3,740-84.1% |
| Admin fee / account holder | $424 | $6,749-93.7% | $13,986-97.0% | $5,306-92.0% |