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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 | $88,614 | $117,895-24.8% | $102,460-13.5% | $145,897-39.3% |
| Participation rate | 54.5% | 78.6%-24.1pp | 76.5%-22.0pp | 80.3%-25.8pp |
| Annual return | 12.39% | 31.92%-19.5pp | 29.47%-17.1pp | 552.29%-539.9pp |
| Employer contribution / active EE | $1,232 | $3,619-66.0% | $3,025-59.3% | $4,663-73.6% |
| Participant deferral / active EE | $1,706 | $5,736-70.3% | $5,056-66.3% | $6,689-74.5% |
| Admin fee / account holder | $2,642 | $13,353-80.2% | $9,460-72.1% | $13,390-80.3% |