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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 | $110,337-32.9% | $102,383-27.7% | $145,877-49.3% |
| Participation rate | 12.5% | 77.9%-65.4pp | 74.5%-62.0pp | 80.3%-67.8pp |
| Annual return | 9.58% | 24.83%-15.2pp | 24.94%-15.4pp | 551.28%-541.7pp |
| Employer contribution / active EE | $1,011 | $4,216-76.0% | $3,870-73.9% | $4,663-78.3% |
| Participant deferral / active EE | $1,298 | $5,621-76.9% | $5,060-74.3% | $6,691-80.6% |
| Admin fee / account holder | $515 | $9,750-94.7% | $8,391-93.9% | $13,402-96.2% |