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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 | $84,233 | $165,381-49.1% | $149,730-43.7% | $158,966-47.0% |
| Participation rate | 63.6% | 84.6%-20.9pp | 82.5%-18.8pp | 82.0%-18.3pp |
| Annual return | 19.18% | 348.29%-329.1pp | 276.70%-257.5pp | 302.95%-283.8pp |
| Employer contribution / active EE | $1,091 | $5,104-78.6% | $4,645-76.5% | $4,762-77.1% |
| Participant deferral / active EE | $1,637 | $7,182-77.2% | $6,843-76.1% | $5,983-72.6% |
| Admin fee / account holder | $609 | $10,809-94.4% | $9,310-93.5% | $11,250-94.6% |