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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 | $30,412 | $212,386-85.7% | $199,883-84.8% | $138,895-78.1% |
| Participation rate | 68.4% | 87.4%-19.0pp | 86.8%-18.3pp | 79.9%-11.5pp |
| Annual return | 16.04% | 47.75%-31.7pp | 43.81%-27.8pp | 145.39%-129.4pp |
| Employer contribution / active EE | $2,122 | $6,625-68.0% | $6,261-66.1% | $4,194-49.4% |
| Participant deferral / active EE | $2,504 | $9,617-74.0% | $9,138-72.6% | $6,396-60.9% |
| Admin fee / account holder | $734 | $18,233-96.0% | $17,268-95.8% | $12,562-94.2% |