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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 | $162,056 | $94,031+72.3% | $115,768+40.0% | $82,448+96.6% |
| Participation rate | 35.5% | 70.4%-34.9pp | 74.4%-38.9pp | 68.1%-32.6pp |
| Annual return | 16.88% | 20.61%-3.7pp | 100.46%-83.6pp | 41.64%-24.8pp |
| Employer contribution / active EE | $791 | $2,323-65.9% | $2,940-73.1% | $2,551-69.0% |
| Participant deferral / active EE | $1,304 | $3,972-67.2% | $4,917-73.5% | $4,139-68.5% |
| Admin fee / account holder | $730 | $10,249-92.9% | $12,439-94.1% | $7,234-89.9% |