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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 | $86,614 | $157,276-44.9% | $141,177-38.6% | $152,885-43.3% |
| Participation rate | 63.6% | 84.8%-21.2pp | 82.5%-18.8pp | 82.5%-18.8pp |
| Annual return | 24.53% | 64.33%-39.8pp | 71.40%-46.9pp | 345.39%-320.9pp |
| Employer contribution / active EE | $4,488 | $5,262-14.7% | $4,736-5.2% | $4,763-5.8% |
| Participant deferral / active EE | $440 | $7,110-93.8% | $6,710-93.4% | $5,851-92.5% |
| Admin fee / account holder | $2,839 | $12,123-76.6% | $10,263-72.3% | $11,598-75.5% |