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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 | $63,647 | $116,203-45.2% | $93,621-32.0% | $152,909-58.4% |
| Participation rate | 68.8% | 78.1%-9.3pp | 75.8%-7.1pp | 82.5%-13.7pp |
| Annual return | 10.48% | 35.96%-25.5pp | 32.76%-22.3pp | 345.46%-335.0pp |
| Employer contribution / active EE | $984 | $3,219-69.4% | $2,719-63.8% | $4,764-79.3% |
| Participant deferral / active EE | $1,178 | $4,605-74.4% | $4,070-71.1% | $5,851-79.9% |
| Admin fee / account holder | $2,135 | $10,751-80.1% | $7,890-72.9% | $11,601-81.6% |