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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 | $19,847 | $52,678-62.3% | $75,784-73.8% | $59,633-66.7% |
| Participation rate | 32.4% | 67.2%-34.8pp | 75.8%-43.4pp | 68.7%-36.2pp |
| Annual return | 6.34% | 2.95%+3.4pp | 9.68%-3.3pp | 2041.45%-2035.1pp |
| Employer contribution / active EE | $442 | $2,193-79.8% | $3,323-86.7% | $2,203-79.9% |
| Participant deferral / active EE | $849 | $2,591-67.2% | $3,652-76.7% | $3,192-73.4% |
| Admin fee / account holder | $683 | $3,610-81.1% | $5,300-87.1% | $4,297-84.1% |