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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 | $98,582 | $64,324+53.3% | $118,914-17.1% | $79,856+23.4% |
| Participation rate | 28.0% | 64.9%-36.9pp | 75.4%-47.4pp | 69.6%-41.6pp |
| Annual return | 12.50% | 86.45%-74.0pp | 35.89%-23.4pp | 31.71%-19.2pp |
| Employer contribution / active EE | $552 | $1,836-70.0% | $3,264-83.1% | $2,471-77.7% |
| Participant deferral / active EE | $865 | $2,824-69.4% | $4,266-79.7% | $3,741-76.9% |
| Admin fee / account holder | $541 | $4,040-86.6% | $6,582-91.8% | $5,306-89.8% |