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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 | $73,695 | $136,860-46.2% | $120,344-38.8% | $154,746-52.4% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 15.36% | 21.38%-6.0pp | 20.30%-4.9pp | 172.34%-157.0pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,347 | $5,793-76.8% | $5,135-73.8% | $6,730-80.0% |
| Admin fee / account holder | $763 | $15,393-95.0% | $12,742-94.0% | $14,365-94.7% |