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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 | $72,736 | $68,705+5.9% | $86,279-15.7% | $82,637-12.0% |
| Participation rate | 30.8% | 73.5%-42.7pp | 78.7%-47.9pp | 68.1%-37.3pp |
| Annual return | 15.69% | 16.81%-1.1pp | 30.40%-14.7pp | 53.51%-37.8pp |
| Employer contribution / active EE | $2,152 | $3,714-42.0% | $4,663-53.9% | $2,552-15.7% |
| Participant deferral / active EE | $755 | $4,188-82.0% | $5,658-86.7% | $4,126-81.7% |
| Admin fee / account holder | $666 | $6,541-89.8% | $10,485-93.6% | $7,339-90.9% |