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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 | $68,744 | $97,125-29.2% | $86,233-20.3% | $137,256-49.9% |
| Participation rate | 30.4% | 74.2%-43.8pp | 69.0%-38.6pp | 80.0%-49.5pp |
| Annual return | 14.25% | 74.19%-59.9pp | 61.39%-47.1pp | 220.34%-206.1pp |
| Employer contribution / active EE | $569 | $2,841-80.0% | $2,504-77.3% | $4,156-86.3% |
| Participant deferral / active EE | $825 | $5,180-84.1% | $4,559-81.9% | $6,407-87.1% |
| Admin fee / account holder | $4,480 | $9,725-53.9% | $8,342-46.3% | $12,270-63.5% |