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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 | $67,179 | $147,556-54.5% | $129,031-47.9% | $198,609-66.2% |
| Participation rate | 53.8% | 77.2%-23.4pp | 73.4%-19.5pp | 82.4%-28.5pp |
| Annual return | 15.10% | 37.41%-22.3pp | 34.67%-19.6pp | 202.70%-187.6pp |
| Employer contribution / active EE | $1,155 | $3,645-68.3% | $3,226-64.2% | $5,055-77.2% |
| Participant deferral / active EE | $1,400 | $5,760-75.7% | $5,217-73.2% | $6,977-79.9% |
| Admin fee / account holder | $14,026 | $15,467-9.3% | $13,208+6.2% | $19,030-26.3% |