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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 | $61,802 | $101,950-39.4% | $125,529-50.8% | $86,983-29.0% |
| Participation rate | 51.9% | 70.2%-18.3pp | 74.7%-22.9pp | 69.5%-17.7pp |
| Annual return | 12.25% | 18.29%-6.0pp | 202.56%-190.3pp | 25.83%-13.6pp |
| Employer contribution / active EE | $668 | $2,358-71.7% | $3,058-78.1% | $2,584-74.1% |
| Participant deferral / active EE | $1,429 | $3,862-63.0% | $4,813-70.3% | $4,194-65.9% |
| Admin fee / account holder | $6,696 | $12,791-47.7% | $16,298-58.9% | $7,856-14.8% |