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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 | $33,739 | $157,296-78.6% | $141,191-76.1% | $152,897-77.9% |
| Participation rate | 69.2% | 84.8%-15.6pp | 82.5%-13.2pp | 82.5%-13.2pp |
| Annual return | 20.16% | 64.34%-44.2pp | 71.41%-51.2pp | 345.43%-325.3pp |
| Employer contribution / active EE | $1,388 | $5,262-73.6% | $4,736-70.7% | $4,764-70.9% |
| Participant deferral / active EE | $2,174 | $7,111-69.4% | $6,710-67.6% | $5,851-62.8% |
| Admin fee / account holder | $417 | $12,125-96.6% | $10,264-95.9% | $11,599-96.4% |