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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 | $69,857 | $85,171-18.0% | $172,753-59.6% | $72,976-4.3% |
| Participation rate | 67.1% | 70.1%-3.0pp | 82.6%-15.6pp | 69.5%-2.4pp |
| Annual return | 16.08% | 27.32%-11.2pp | 803.00%-786.9pp | 81.02%-64.9pp |
| Employer contribution / active EE | $727 | $3,324-78.1% | $5,144-85.9% | $2,440-70.2% |
| Participant deferral / active EE | $530 | $3,260-83.7% | $5,198-89.8% | $3,608-85.3% |
| Admin fee / account holder | $394 | $5,880-93.3% | $13,956-97.2% | $5,124-92.3% |