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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 | $150,615 | $76,551+96.8% | $123,894+21.6% | $62,881+139.5% |
| Participation rate | 23.1% | 73.0%-49.9pp | 81.4%-58.3pp | 69.3%-46.2pp |
| Annual return | 9.93% | 18.68%-8.7pp | 47.52%-37.6pp | 20.14%-10.2pp |
| Employer contribution / active EE | $763 | $2,882-73.5% | $4,617-83.5% | $2,281-66.5% |
| Participant deferral / active EE | $1,748 | $4,840-63.9% | $5,984-70.8% | $3,203-45.4% |
| Admin fee / account holder | $364 | $4,826-92.5% | $8,357-95.6% | $4,296-91.5% |