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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 | $36,571 | $110,379-66.9% | $102,412-64.3% | $145,884-74.9% |
| Participation rate | 63.6% | 77.9%-14.3pp | 74.5%-10.9pp | 80.3%-16.7pp |
| Annual return | 11.88% | 24.84%-13.0pp | 24.94%-13.1pp | 551.85%-540.0pp |
| Employer contribution / active EE | $2,480 | $4,216-41.2% | $3,870-35.9% | $4,662-46.8% |
| Participant deferral / active EE | $743 | $5,622-86.8% | $5,060-85.3% | $6,690-88.9% |
| Admin fee / account holder | $2,772 | $9,745-71.6% | $8,388-66.9% | $13,392-79.3% |