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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 | $73,862 | $106,749-30.8% | $145,433-49.2% | $82,448-10.4% |
| Participation rate | 48.6% | 75.6%-27.1pp | 82.1%-33.5pp | 68.1%-19.5pp |
| Annual return | 20.33% | 27.59%-7.3pp | 66.58%-46.2pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,666 | $3,444-22.6% | $4,554-41.5% | $2,551+4.5% |
| Participant deferral / active EE | $2,065 | $6,519-68.3% | $7,897-73.9% | $4,139-50.1% |
| Admin fee / account holder | $487 | $8,390-94.2% | $13,129-96.3% | $7,234-93.3% |