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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 | $65,292 | $80,992-19.4% | $96,534-32.4% | $75,173-13.1% |
| Participation rate | 13.5% | 71.8%-58.3pp | 76.0%-62.5pp | 67.2%-53.7pp |
| Annual return | 13.45% | 27.05%-13.6pp | 25.88%-12.4pp | 160.72%-147.3pp |
| Employer contribution / active EE | $648 | $2,283-71.6% | $2,965-78.1% | $2,671-75.7% |
| Participant deferral / active EE | $554 | $3,929-85.9% | $4,851-88.6% | $4,126-86.6% |
| Admin fee / account holder | $7,083 | $6,717+5.5% | $8,253-14.2% | $5,651+25.4% |