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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 | $44,221 | $106,749-58.6% | $145,433-69.6% | $82,448-46.4% |
| Participation rate | 27.8% | 75.6%-47.9pp | 82.1%-54.3pp | 68.1%-40.3pp |
| Annual return | 19.82% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $851 | $3,444-75.3% | $4,554-81.3% | $2,551-66.6% |
| Participant deferral / active EE | $1,314 | $6,519-79.8% | $7,897-83.4% | $4,139-68.3% |
| Admin fee / account holder | $1,439 | $8,390-82.8% | $13,129-89.0% | $7,234-80.1% |