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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 | $124,980-5.1% | $108,359+9.5% | $154,746-23.3% |
| Participation rate | 30.0% | 75.2%-45.2pp | 70.1%-40.1pp | 80.7%-50.7pp |
| Annual return | 16.27% | 45.00%-28.7pp | 36.89%-20.6pp | 172.34%-156.1pp |
| Employer contribution / active EE | $792 | $2,851-72.2% | $2,399-67.0% | $4,379-81.9% |
| Participant deferral / active EE | $930 | $4,743-80.4% | $4,137-77.5% | $6,730-86.2% |
| Admin fee / account holder | $798 | $11,502-93.1% | $9,741-91.8% | $14,365-94.4% |