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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 | $33,332 | $174,379-80.9% | $152,093-78.1% | $138,895-76.0% |
| Participation rate | 55.0% | 81.6%-26.6pp | 77.8%-22.8pp | 79.9%-24.9pp |
| Annual return | 17.56% | 74.86%-57.3pp | 66.36%-48.8pp | 145.39%-127.8pp |
| Employer contribution / active EE | $1,806 | $4,652-61.2% | $4,175-56.7% | $4,194-56.9% |
| Participant deferral / active EE | $702 | $6,159-88.6% | $5,451-87.1% | $6,396-89.0% |
| Admin fee / account holder | $588 | $16,880-96.5% | $14,497-95.9% | $12,562-95.3% |