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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 | $38,135 | $107,733-64.6% | $92,985-59.0% | $154,746-75.4% |
| Participation rate | 41.2% | 74.6%-33.4pp | 69.5%-28.3pp | 80.7%-39.5pp |
| Annual return | 15.93% | 30.39%-14.5pp | 27.99%-12.1pp | 172.34%-156.4pp |
| Employer contribution / active EE | $755 | $3,126-75.8% | $2,662-71.6% | $4,379-82.8% |
| Participant deferral / active EE | $973 | $5,053-80.7% | $4,377-77.8% | $6,730-85.5% |
| Admin fee / account holder | $14,245 | $11,369+25.3% | $9,463+50.5% | $14,365-0.8% |