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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 | $48,303 | $79,169-39.0% | $100,415-51.9% | $74,478-35.1% |
| Participation rate | 46.2% | 79.4%-33.3pp | 81.5%-35.4pp | 67.2%-21.1pp |
| Annual return | 14.70% | 20.51%-5.8pp | 49.47%-34.8pp | 1370.56%-1355.9pp |
| Employer contribution / active EE | $1,324 | $3,017-56.1% | $3,943-66.4% | $2,626-49.6% |
| Participant deferral / active EE | $2,523 | $7,751-67.4% | $8,091-68.8% | $4,350-42.0% |
| Admin fee / account holder | $1,325 | $1,337-0.9% | $7,906-83.2% | $1,946-31.9% |