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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 | $52,082 | $98,776-47.3% | $149,745-65.2% | $79,856-34.8% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.5%-22.5pp | 69.6%-9.6pp |
| Annual return | 15.18% | 27.38%-12.2pp | 276.72%-261.5pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,172 | $3,217-63.6% | $4,646-74.8% | $2,471-52.6% |
| Participant deferral / active EE | $2,270 | $5,681-60.0% | $6,843-66.8% | $3,741-39.3% |
| Admin fee / account holder | $2,404 | $6,053-60.3% | $9,312-74.2% | $5,306-54.7% |