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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 | $27,475 | $76,371-64.0% | $93,621-70.7% | $72,975-62.4% |
| Participation rate | 48.8% | 71.8%-22.9pp | 75.8%-27.0pp | 69.5%-20.7pp |
| Annual return | 22.54% | 25.82%-3.3pp | 32.76%-10.2pp | 81.01%-58.5pp |
| Employer contribution / active EE | $680 | $2,276-70.1% | $2,719-75.0% | $2,440-72.1% |
| Participant deferral / active EE | $1,270 | $3,538-64.1% | $4,070-68.8% | $3,608-64.8% |
| Admin fee / account holder | $1,740 | $6,839-74.6% | $7,890-77.9% | $5,124-66.0% |