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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 | $32,882 | $115,814-71.6% | $101,275-67.5% | $158,982-79.3% |
| Participation rate | 63.6% | 79.4%-15.7pp | 75.8%-12.2pp | 82.0%-18.3pp |
| Annual return | 15.44% | 56.16%-40.7pp | 46.48%-31.0pp | 302.99%-287.5pp |
| Employer contribution / active EE | $1,317 | $4,176-68.5% | $3,660-64.0% | $4,763-72.3% |
| Participant deferral / active EE | $1,025 | $4,958-79.3% | $4,371-76.5% | $5,983-82.9% |
| Admin fee / account holder | $338 | $7,249-95.3% | $5,948-94.3% | $11,252-97.0% |