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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 | $35,543 | $86,949-59.1% | $102,460-65.3% | $80,959-56.1% |
| Participation rate | 59.4% | 72.4%-13.0pp | 76.5%-17.1pp | 67.7%-8.3pp |
| Annual return | 13.58% | 18.89%-5.3pp | 29.47%-15.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,377 | $2,370-41.9% | $3,025-54.5% | $2,757-50.1% |
| Participant deferral / active EE | $1,757 | $4,121-57.4% | $5,056-65.3% | $4,300-59.1% |
| Admin fee / account holder | $857 | $8,048-89.4% | $9,460-90.9% | $6,925-87.6% |