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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 | $73,995 | $111,814-33.8% | $103,374-28.4% | $145,959-49.3% |
| Participation rate | 12.5% | 77.9%-65.4pp | 74.5%-62.0pp | 80.3%-67.8pp |
| Annual return | 9.58% | 24.77%-15.2pp | 24.89%-15.3pp | 561.95%-552.4pp |
| Employer contribution / active EE | $1,011 | $4,214-76.0% | $3,869-73.9% | $4,661-78.3% |
| Participant deferral / active EE | $1,298 | $5,618-76.9% | $5,058-74.3% | $6,689-80.6% |
| Admin fee / account holder | $515 | $9,754-94.7% | $8,394-93.9% | $13,398-96.2% |