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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 | $74,535+19.3% | $100,712-11.7% | $82,637+7.6% |
| Participation rate | 20.0% | 61.2%-41.2pp | 69.3%-49.3pp | 68.1%-48.1pp |
| Annual return | 19.09% | 18.92%+0.2pp | 33.27%-14.2pp | 53.51%-34.4pp |
| Employer contribution / active EE | $588 | $1,503-60.9% | $2,313-74.6% | $2,552-77.0% |
| Participant deferral / active EE | $826 | $3,074-73.1% | $4,085-79.8% | $4,126-80.0% |
| Admin fee / account holder | $620 | $6,576-90.6% | $9,256-93.3% | $7,339-91.6% |