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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 | $71,400 | $69,511+2.7% | $94,664-24.6% | $71,511-0.2% |
| Participation rate | 40.0% | 78.4%-38.4pp | 80.8%-40.8pp | 67.9%-27.9pp |
| Annual return | 18.84% | 29.67%-10.8pp | 156.84%-138.0pp | 28.86%-10.0pp |
| Employer contribution / active EE | $1,663 | $2,853-41.7% | $3,673-54.7% | $2,589-35.8% |
| Participant deferral / active EE | $2,683 | $7,348-63.5% | $7,417-63.8% | $4,291-37.5% |
| Admin fee / account holder | $1,459 | $1,211+20.5% | $7,222-79.8% | $1,588-8.2% |