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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 | $70,184 | $93,598-25.0% | $135,974-48.4% | $75,173-6.6% |
| Participation rate | 52.2% | 75.2%-23.0pp | 81.9%-29.7pp | 67.2%-15.0pp |
| Annual return | 16.18% | 30.89%-14.7pp | 68.30%-52.1pp | 160.72%-144.5pp |
| Employer contribution / active EE | $898 | $3,538-74.6% | $4,859-81.5% | $2,671-66.4% |
| Participant deferral / active EE | $2,407 | $6,405-62.4% | $7,760-69.0% | $4,126-41.7% |
| Admin fee / account holder | $4,523 | $6,978-35.2% | $10,767-58.0% | $5,651-20.0% |