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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 | $43,530 | $125,797-65.4% | $170,028-74.4% | $75,181-42.1% |
| Participation rate | 56.3% | 83.6%-27.3pp | 87.0%-30.8pp | 67.2%-10.9pp |
| Annual return | 15.80% | 27.20%-11.4pp | 53.39%-37.6pp | 160.69%-144.9pp |
| Employer contribution / active EE | $3,450 | $4,616-25.3% | $6,788-49.2% | $2,671+29.2% |
| Participant deferral / active EE | $2,620 | $6,838-61.7% | $10,409-74.8% | $4,126-36.5% |
| Admin fee / account holder | $905 | $8,177-88.9% | $12,820-92.9% | $5,650-84.0% |