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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 | $33,112 | $79,449-58.3% | $189,558-82.5% | $85,856-61.4% |
| Participation rate | 37.3% | 66.0%-28.7pp | 78.5%-41.1pp | 69.3%-32.0pp |
| Annual return | 31.83% | 18.45%+13.4pp | 64.19%-32.4pp | 318.58%-286.8pp |
| Employer contribution / active EE | $2,677 | $2,081+28.6% | $4,412-39.3% | $2,565+4.4% |
| Participant deferral / active EE | $698 | $4,051-82.8% | $6,174-88.7% | $3,952-82.3% |
| Admin fee / account holder | $4,027 | $5,377-25.1% | $9,809-58.9% | $6,261-35.7% |