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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 | $35,084 | $77,492-54.7% | $100,398-65.1% | $80,911-56.6% |
| Participation rate | 63.9% | 76.9%-13.1pp | 81.5%-17.6pp | 67.6%-3.8pp |
| Annual return | 12.69% | 37.23%-24.5pp | 49.32%-36.6pp | 35.63%-22.9pp |
| Employer contribution / active EE | $1,234 | $2,800-55.9% | $3,946-68.7% | $2,756-55.2% |
| Participant deferral / active EE | $2,422 | $6,817-64.5% | $8,084-70.0% | $4,297-43.6% |
| Admin fee / account holder | $1,247 | $5,892-78.8% | $7,893-84.2% | $6,935-82.0% |