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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 | $44,996 | $177,156-74.6% | $147,027-69.4% | $154,746-70.9% |
| Participation rate | 66.7% | 79.4%-12.7pp | 73.7%-7.1pp | 80.7%-14.0pp |
| Annual return | 15.78% | 21.94%-6.2pp | 20.23%-4.5pp | 172.34%-156.6pp |
| Employer contribution / active EE | $1,300 | $4,336-70.0% | $3,626-64.1% | $4,379-70.3% |
| Participant deferral / active EE | $600 | $5,797-89.6% | $4,933-87.8% | $6,730-91.1% |
| Admin fee / account holder | $813 | $14,904-94.5% | $12,223-93.4% | $14,365-94.3% |