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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 | $118,634 | $112,729+5.2% | $98,716+20.2% | $137,256-13.6% |
| Participation rate | 30.0% | 74.2%-44.2pp | 69.3%-39.3pp | 80.0%-50.0pp |
| Annual return | 16.27% | 38.48%-22.2pp | 31.81%-15.5pp | 220.34%-204.1pp |
| Employer contribution / active EE | $792 | $2,725-70.9% | $2,279-65.2% | $4,156-80.9% |
| Participant deferral / active EE | $930 | $4,640-80.0% | $4,048-77.0% | $6,407-85.5% |
| Admin fee / account holder | $798 | $10,129-92.1% | $8,703-90.8% | $12,270-93.5% |