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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 | $29,025 | $124,425-76.7% | $112,040-74.1% | $137,256-78.9% |
| Participation rate | 60.0% | 79.3%-19.3pp | 76.5%-16.5pp | 80.0%-20.0pp |
| Annual return | 20.13% | 24.72%-4.6pp | 24.52%-4.4pp | 220.34%-200.2pp |
| Employer contribution / active EE | $1,464 | $3,411-57.1% | $2,954-50.4% | $4,156-64.8% |
| Participant deferral / active EE | $1,730 | $5,718-69.7% | $5,098-66.1% | $6,407-73.0% |
| Admin fee / account holder | $3,143 | $15,207-79.3% | $12,098-74.0% | $12,270-74.4% |