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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 | $25,115 | $88,672-71.7% | $105,223-76.1% | $82,448-69.5% |
| Participation rate | 68.9% | 67.9%+1.0pp | 75.0%-6.2pp | 68.1%+0.8pp |
| Annual return | 14.31% | 30.86%-16.5pp | 180.65%-166.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $3,965 | $3,048+30.1% | $3,689+7.5% | $2,551+55.4% |
| Participant deferral / active EE | $131 | $4,036-96.8% | $5,072-97.4% | $4,139-96.8% |
| Admin fee / account holder | $649 | $7,146-90.9% | $8,859-92.7% | $7,234-91.0% |