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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 | $30,531 | $102,429-70.2% | $147,096-79.2% | $80,925-62.3% |
| Participation rate | 56.8% | 75.9%-19.1pp | 82.2%-25.4pp | 67.7%-10.9pp |
| Annual return | 11.85% | 135.02%-123.2pp | 419.75%-407.9pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,353 | $3,716-63.6% | $4,936-72.6% | $2,756-50.9% |
| Participant deferral / active EE | $2,510 | $6,649-62.2% | $8,071-68.9% | $4,299-41.6% |
| Admin fee / account holder | $2,989 | $7,957-62.4% | $13,005-77.0% | $6,940-56.9% |