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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 | $52,367 | $167,415-68.7% | $140,514-62.7% | $198,609-73.6% |
| Participation rate | 55.6% | 80.9%-25.3pp | 77.8%-22.2pp | 82.4%-26.8pp |
| Annual return | 5.45% | 13.85%-8.4pp | 14.36%-8.9pp | 202.70%-197.3pp |
| Employer contribution / active EE | $1,486 | $4,088-63.7% | $3,378-56.0% | $5,055-70.6% |
| Participant deferral / active EE | $1,932 | $5,579-65.4% | $4,919-60.7% | $6,977-72.3% |
| Admin fee / account holder | $1,111 | $16,730-93.4% | $13,697-91.9% | $19,030-94.2% |