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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 | $88,015 | $172,111-48.9% | $150,298-41.4% | $137,256-35.9% |
| Participation rate | 33.3% | 81.7%-48.4pp | 77.8%-44.4pp | 80.0%-46.6pp |
| Annual return | 13.27% | 69.37%-56.1pp | 62.79%-49.5pp | 220.34%-207.1pp |
| Employer contribution / active EE | $846 | $4,636-81.8% | $4,154-79.6% | $4,156-79.7% |
| Participant deferral / active EE | $1,076 | $6,166-82.6% | $5,453-80.3% | $6,407-83.2% |
| Admin fee / account holder | $1,366 | $16,471-91.7% | $14,116-90.3% | $12,270-88.9% |