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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 | $84,240 | $228,352-63.1% | $185,827-54.7% | $158,950-47.0% |
| Participation rate | 28.6% | 82.3%-53.7pp | 78.0%-49.5pp | 82.0%-53.4pp |
| Annual return | 11.93% | 40.81%-28.9pp | 35.96%-24.0pp | 302.91%-291.0pp |
| Employer contribution / active EE | $855 | $4,967-82.8% | $4,087-79.1% | $4,762-82.0% |
| Participant deferral / active EE | $1,212 | $6,416-81.1% | $5,633-78.5% | $5,983-79.7% |
| Admin fee / account holder | $4,749 | $11,867-60.0% | $9,502-50.0% | $11,248-57.8% |