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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 | $91,552 | $136,860-33.1% | $120,344-23.9% | $154,746-40.8% |
| Participation rate | 54.5% | 79.9%-25.3pp | 76.7%-22.2pp | 80.7%-26.2pp |
| Annual return | 16.76% | 21.38%-4.6pp | 20.30%-3.5pp | 172.34%-155.6pp |
| Employer contribution / active EE | $1,342 | $3,533-62.0% | $3,020-55.6% | $4,379-69.4% |
| Participant deferral / active EE | $1,933 | $5,793-66.6% | $5,135-62.4% | $6,730-71.3% |
| Admin fee / account holder | $3,301 | $15,393-78.6% | $12,742-74.1% | $14,365-77.0% |