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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 | $35,732 | $81,208-56.0% | $98,920-63.9% | $79,852-55.3% |
| Participation rate | 47.6% | 72.5%-24.9pp | 76.0%-28.4pp | 69.6%-22.0pp |
| Annual return | 14.65% | 60.99%-46.3pp | 196.47%-181.8pp | 31.72%-17.1pp |
| Employer contribution / active EE | $704 | $1,960-64.1% | $2,689-73.8% | $2,471-71.5% |
| Participant deferral / active EE | $1,290 | $3,265-60.5% | $4,245-69.6% | $3,740-65.5% |
| Admin fee / account holder | $968 | $6,013-83.9% | $6,643-85.4% | $5,306-81.7% |