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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 | $35,281 | $110,307-68.0% | $96,576-63.5% | $139,456-74.7% |
| Participation rate | 64.3% | 78.1%-13.8pp | 76.0%-11.7pp | 80.3%-16.0pp |
| Annual return | 12.17% | 26.40%-14.2pp | 25.87%-13.7pp | 373.45%-361.3pp |
| Employer contribution / active EE | $4,282 | $3,619+18.3% | $2,965+44.4% | $4,753-9.9% |
| Participant deferral / active EE | $0 | $5,547-100.0% | $4,851-100.0% | $6,711-100.0% |
| Admin fee / account holder | $1,450 | $11,597-87.5% | $8,253-82.4% | $11,407-87.3% |