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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 | $27,641 | $139,948-80.2% | $121,663-77.3% | $154,746-82.1% |
| Participation rate | 60.0% | 78.0%-18.0pp | 74.5%-14.5pp | 80.7%-20.7pp |
| Annual return | 19.03% | 230.52%-211.5pp | 147.54%-128.5pp | 172.34%-153.3pp |
| Employer contribution / active EE | $842 | $3,521-76.1% | $3,020-72.1% | $4,379-80.8% |
| Participant deferral / active EE | $1,061 | $5,629-81.1% | $4,887-78.3% | $6,730-84.2% |
| Admin fee / account holder | $5,242 | $17,321-69.7% | $14,289-63.3% | $14,365-63.5% |