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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 | $51,707 | $95,404-45.8% | $113,397-54.4% | $82,637-37.4% |
| Participation rate | 65.2% | 72.8%-7.7pp | 76.5%-11.3pp | 68.1%-2.9pp |
| Annual return | 14.85% | 19.08%-4.2pp | 23.20%-8.4pp | 53.51%-38.7pp |
| Employer contribution / active EE | $855 | $2,307-62.9% | $2,977-71.3% | $2,552-66.5% |
| Participant deferral / active EE | $1,818 | $4,220-56.9% | $5,076-64.2% | $4,126-56.0% |
| Admin fee / account holder | $1,670 | $9,168-81.8% | $11,957-86.0% | $7,339-77.2% |