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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 | $80,287 | $201,344-60.1% | $184,243-56.4% | $145,877-45.0% |
| Participation rate | 56.5% | 87.5%-31.0pp | 86.8%-30.3pp | 80.3%-23.8pp |
| Annual return | 10.81% | 29.01%-18.2pp | 28.82%-18.0pp | 551.28%-540.5pp |
| Employer contribution / active EE | $2,586 | $7,022-63.2% | $6,427-59.8% | $4,663-44.5% |
| Participant deferral / active EE | $2,916 | $9,807-70.3% | $9,132-68.1% | $6,691-56.4% |
| Admin fee / account holder | $1,131 | $16,382-93.1% | $13,914-91.9% | $13,402-91.6% |