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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 | $66,850 | $65,034+2.8% | $90,970-26.5% | $79,856-16.3% |
| Participation rate | 52.9% | 61.6%-8.7pp | 69.0%-16.1pp | 69.6%-16.7pp |
| Annual return | 15.05% | 30.45%-15.4pp | 134.60%-119.5pp | 31.71%-16.7pp |
| Employer contribution / active EE | $526 | $1,247-57.8% | $2,122-75.2% | $2,471-78.7% |
| Participant deferral / active EE | $872 | $2,512-65.3% | $3,373-74.1% | $3,741-76.7% |
| Admin fee / account holder | $1,098 | $4,536-75.8% | $5,961-81.6% | $5,306-79.3% |