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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 | $213,785-72.5% | $185,441-68.3% | $155,188-62.1% |
| Participation rate | 60.9% | 83.2%-22.3pp | 80.3%-19.4pp | 80.8%-19.9pp |
| Annual return | 13.77% | 19.97%-6.2pp | 20.16%-6.4pp | 148.84%-135.1pp |
| Employer contribution / active EE | $1,287 | $5,393-76.1% | $4,672-72.5% | $4,248-69.7% |
| Participant deferral / active EE | $1,436 | $6,864-79.1% | $6,152-76.6% | $6,531-78.0% |
| Admin fee / account holder | $1,137 | $21,134-94.6% | $17,890-93.6% | $14,480-92.2% |