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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 | $60,165 | $102,385-41.2% | $147,080-59.1% | $80,935-25.7% |
| Participation rate | 40.6% | 75.9%-35.2pp | 82.2%-41.6pp | 67.7%-27.0pp |
| Annual return | 14.86% | 135.09%-120.2pp | 420.17%-405.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $1,181 | $3,717-68.2% | $4,933-76.1% | $2,757-57.1% |
| Participant deferral / active EE | $2,236 | $6,651-66.4% | $8,066-72.3% | $4,299-48.0% |
| Admin fee / account holder | $3,390 | $7,951-57.4% | $12,989-73.9% | $6,924-51.0% |