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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 | $35,615 | $106,247-66.5% | $96,515-63.1% | $139,466-74.5% |
| Participation rate | 55.6% | 77.8%-22.3pp | 74.3%-18.8pp | 80.3%-24.8pp |
| Annual return | 13.90% | 38.47%-24.6pp | 35.73%-21.8pp | 373.66%-359.8pp |
| Employer contribution / active EE | $816 | $4,106-80.1% | $3,740-78.2% | $4,754-82.8% |
| Participant deferral / active EE | $871 | $5,456-84.0% | $4,880-82.1% | $6,712-87.0% |
| Admin fee / account holder | $1,069 | $7,885-86.4% | $6,735-84.1% | $11,409-90.6% |