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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 | $67,877 | $124,980-45.7% | $108,359-37.4% | $154,746-56.1% |
| Participation rate | 27.3% | 75.2%-47.9pp | 70.1%-42.8pp | 80.7%-53.4pp |
| Annual return | 9.79% | 45.00%-35.2pp | 36.89%-27.1pp | 172.34%-162.5pp |
| Employer contribution / active EE | $556 | $2,851-80.5% | $2,399-76.8% | $4,379-87.3% |
| Participant deferral / active EE | $1,169 | $4,743-75.4% | $4,137-71.7% | $6,730-82.6% |
| Admin fee / account holder | $19,857 | $11,502+72.6% | $9,741+103.9% | $14,365+38.2% |