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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 | $63,820 | $114,119-44.1% | $107,187-40.5% | $138,895-54.1% |
| Participation rate | 37.5% | 78.1%-40.6pp | 75.0%-37.5pp | 79.9%-42.4pp |
| Annual return | 15.89% | 273.21%-257.3pp | 204.55%-188.7pp | 145.39%-129.5pp |
| Employer contribution / active EE | $1,040 | $4,059-74.4% | $3,782-72.5% | $4,194-75.2% |
| Participant deferral / active EE | $541 | $5,538-90.2% | $5,096-89.4% | $6,396-91.5% |
| Admin fee / account holder | $1,415 | $10,024-85.9% | $9,162-84.6% | $12,562-88.7% |