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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 | $88,887 | $73,787+20.5% | $98,716-10.0% | $82,448+7.8% |
| Participation rate | 20.0% | 61.4%-41.4pp | 69.3%-49.3pp | 68.1%-48.1pp |
| Annual return | 19.09% | 18.57%+0.5pp | 31.81%-12.7pp | 41.64%-22.6pp |
| Employer contribution / active EE | $588 | $1,511-61.1% | $2,279-74.2% | $2,551-76.9% |
| Participant deferral / active EE | $826 | $3,081-73.2% | $4,048-79.6% | $4,139-80.1% |
| Admin fee / account holder | $620 | $6,500-90.5% | $8,703-92.9% | $7,234-91.4% |