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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 | $34,434 | $76,551-55.0% | $123,894-72.2% | $62,881-45.2% |
| Participation rate | 40.4% | 73.0%-32.6pp | 81.4%-41.0pp | 69.3%-28.9pp |
| Annual return | 10.01% | 18.68%-8.7pp | 47.52%-37.5pp | 20.14%-10.1pp |
| Employer contribution / active EE | $3,225 | $2,882+11.9% | $4,617-30.1% | $2,281+41.4% |
| Participant deferral / active EE | $1,415 | $4,840-70.8% | $5,984-76.3% | $3,203-55.8% |
| Admin fee / account holder | $461 | $4,826-90.4% | $8,357-94.5% | $4,296-89.3% |