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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 | $61,880 | $87,166-29.0% | $76,735-19.4% | $137,256-54.9% |
| Participation rate | 40.0% | 74.4%-34.4pp | 69.5%-29.5pp | 80.0%-40.0pp |
| Annual return | 15.26% | 26.50%-11.2pp | 29.77%-14.5pp | 220.34%-205.1pp |
| Employer contribution / active EE | $682 | $2,904-76.5% | $2,454-72.2% | $4,156-83.6% |
| Participant deferral / active EE | $682 | $4,726-85.6% | $4,088-83.3% | $6,407-89.4% |
| Admin fee / account holder | $12,705 | $8,403+51.2% | $7,189+76.7% | $12,270+3.5% |