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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 | $61,035 | $135,905-55.1% | $126,068-51.6% | $198,609-69.3% |
| Participation rate | 47.8% | 85.6%-37.8pp | 84.7%-36.9pp | 82.4%-34.6pp |
| Annual return | 15.01% | 14.07%+0.9pp | 15.01%0pp | 202.70%-187.7pp |
| Employer contribution / active EE | $1,390 | $4,245-67.2% | $3,968-65.0% | $5,055-72.5% |
| Participant deferral / active EE | $3,140 | $8,523-63.2% | $8,214-61.8% | $6,977-55.0% |
| Admin fee / account holder | $535 | $21,036-97.5% | $18,264-97.1% | $19,030-97.2% |