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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 | $156,616-24.3% | $133,346-11.0% | $198,609-40.3% |
| Participation rate | 30.0% | 77.7%-47.7pp | 72.8%-42.8pp | 82.4%-52.4pp |
| Annual return | 16.27% | 44.25%-28.0pp | 36.85%-20.6pp | 202.70%-186.4pp |
| Employer contribution / active EE | $792 | $3,368-76.5% | $2,853-72.2% | $5,055-84.3% |
| Participant deferral / active EE | $930 | $4,920-81.1% | $4,332-78.5% | $6,977-86.7% |
| Admin fee / account holder | $798 | $17,468-95.4% | $14,264-94.4% | $19,030-95.8% |