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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 | $58,869 | $178,174-67.0% | $156,181-62.3% | $137,256-57.1% |
| Participation rate | 60.9% | 82.0%-21.2pp | 78.8%-18.0pp | 80.0%-19.1pp |
| Annual return | 13.77% | 84.19%-70.4pp | 64.87%-51.1pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,287 | $4,972-74.1% | $4,294-70.0% | $4,156-69.0% |
| Participant deferral / active EE | $1,436 | $6,888-79.1% | $6,132-76.6% | $6,407-77.6% |
| Admin fee / account holder | $1,137 | $17,404-93.5% | $14,586-92.2% | $12,270-90.7% |