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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 | $34,117 | $154,228-77.9% | $145,433-76.5% | $137,256-75.1% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 15.27% | 74.59%-59.3pp | 66.58%-51.3pp | 220.34%-205.1pp |
| Employer contribution / active EE | $1,176 | $4,804-75.5% | $4,554-74.2% | $4,156-71.7% |
| Participant deferral / active EE | $1,483 | $8,216-82.0% | $7,897-81.2% | $6,407-76.9% |
| Admin fee / account holder | $460 | $14,344-96.8% | $13,129-96.5% | $12,270-96.3% |