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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 | $31,043 | $80,983-61.7% | $96,544-67.8% | $75,177-58.7% |
| Participation rate | 48.7% | 71.8%-23.1pp | 76.0%-27.3pp | 67.2%-18.5pp |
| Annual return | 16.73% | 27.05%-10.3pp | 25.88%-9.2pp | 160.75%-144.0pp |
| Employer contribution / active EE | $1,291 | $2,282-43.5% | $2,966-56.5% | $2,671-51.7% |
| Participant deferral / active EE | $1,659 | $3,929-57.8% | $4,851-65.8% | $4,126-59.8% |
| Admin fee / account holder | $2,644 | $6,717-60.6% | $8,254-68.0% | $5,651-53.2% |