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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 | $46,568 | $110,379-57.8% | $102,412-54.5% | $145,884-68.1% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 14.52% | 24.84%-10.3pp | 24.94%-10.4pp | 551.85%-537.3pp |
| Employer contribution / active EE | $1,241 | $4,216-70.6% | $3,870-67.9% | $4,662-73.4% |
| Participant deferral / active EE | $1,400 | $5,622-75.1% | $5,060-72.3% | $6,690-79.1% |
| Admin fee / account holder | $586 | $9,745-94.0% | $8,388-93.0% | $13,392-95.6% |