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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 | $109,644 | $147,556-25.7% | $129,031-15.0% | $198,609-44.8% |
| Participation rate | 13.0% | 77.2%-64.2pp | 73.4%-60.3pp | 82.4%-69.3pp |
| Annual return | 18.92% | 37.41%-18.5pp | 34.67%-15.7pp | 202.70%-183.8pp |
| Employer contribution / active EE | $781 | $3,645-78.6% | $3,226-75.8% | $5,055-84.5% |
| Participant deferral / active EE | $1,461 | $5,760-74.6% | $5,217-72.0% | $6,977-79.1% |
| Admin fee / account holder | $13,292 | $15,467-14.1% | $13,208+0.6% | $19,030-30.2% |