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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 | $49,462 | $106,749-53.7% | $145,433-66.0% | $82,448-40.0% |
| Participation rate | 69.2% | 75.6%-6.4pp | 82.1%-12.9pp | 68.1%+1.2pp |
| Annual return | 16.70% | 27.59%-10.9pp | 66.58%-49.9pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,111 | $3,444-67.7% | $4,554-75.6% | $2,551-56.4% |
| Participant deferral / active EE | $1,383 | $6,519-78.8% | $7,897-82.5% | $4,139-66.6% |
| Admin fee / account holder | $13,464 | $8,390+60.5% | $13,129+2.6% | $7,234+86.1% |