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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 | $92,573-21.4% | $85,946-15.4% | $86,983-16.4% |
| Participation rate | 30.8% | 70.5%-39.7pp | 77.2%-46.4pp | 69.5%-38.8pp |
| Annual return | 15.69% | 15.50%+0.2pp | 31.33%-15.6pp | 25.83%-10.1pp |
| Employer contribution / active EE | $2,152 | $4,254-49.4% | $4,539-52.6% | $2,584-16.7% |
| Participant deferral / active EE | $755 | $3,999-81.1% | $5,465-86.2% | $4,194-82.0% |
| Admin fee / account holder | $666 | $7,308-90.9% | $11,250-94.1% | $7,856-91.5% |