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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 | $41,647 | $110,137-62.2% | $161,149-74.2% | $82,637-49.6% |
| Participation rate | 55.8% | 72.4%-16.6pp | 78.8%-23.1pp | 68.1%-12.3pp |
| Annual return | 15.47% | 20.69%-5.2pp | 21.16%-5.7pp | 53.51%-38.0pp |
| Employer contribution / active EE | $861 | $2,856-69.9% | $4,360-80.3% | $2,552-66.3% |
| Participant deferral / active EE | $1,606 | $4,575-64.9% | $6,153-73.9% | $4,126-61.1% |
| Admin fee / account holder | $5,161 | $9,467-45.5% | $15,194-66.0% | $7,339-29.7% |