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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 | $37,484 | $96,731-61.2% | $123,973-69.8% | $86,983-56.9% |
| Participation rate | 59.3% | 70.0%-10.8pp | 76.7%-17.4pp | 69.5%-10.3pp |
| Annual return | 15.41% | 17.33%-1.9pp | 388.13%-372.7pp | 25.83%-10.4pp |
| Employer contribution / active EE | $1,089 | $3,297-67.0% | $4,126-73.6% | $2,584-57.9% |
| Participant deferral / active EE | $1,268 | $4,152-69.5% | $5,247-75.8% | $4,194-69.8% |
| Admin fee / account holder | $1,389 | $8,722-84.1% | $11,799-88.2% | $7,856-82.3% |