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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 | $68,260 | $79,184-13.8% | $102,438-33.4% | $74,546-8.4% |
| Participation rate | 49.1% | 74.8%-25.7pp | 76.5%-27.4pp | 67.2%-18.1pp |
| Annual return | 11.51% | 54.95%-43.4pp | 29.37%-17.9pp | 1366.03%-1354.5pp |
| Employer contribution / active EE | $877 | $2,362-62.9% | $3,024-71.0% | $2,624-66.6% |
| Participant deferral / active EE | $1,412 | $4,414-68.0% | $5,054-72.1% | $4,347-67.5% |
| Admin fee / account holder | $3,432 | $2,001+71.5% | $9,448-63.7% | $1,944+76.6% |