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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 | $95,704 | $117,846-18.8% | $102,434-6.6% | $145,884-34.4% |
| Participation rate | 57.1% | 78.6%-21.5pp | 76.5%-19.4pp | 80.3%-23.2pp |
| Annual return | 12.26% | 31.90%-19.6pp | 29.46%-17.2pp | 551.85%-539.6pp |
| Employer contribution / active EE | $914 | $3,615-74.7% | $3,023-69.8% | $4,662-80.4% |
| Participant deferral / active EE | $969 | $5,733-83.1% | $5,055-80.8% | $6,690-85.5% |
| Admin fee / account holder | $9,698 | $13,356-27.4% | $9,462+2.5% | $13,392-27.6% |