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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 | $45,106 | $201,259-77.6% | $184,200-75.5% | $145,959-69.1% |
| Participation rate | 28.6% | 87.5%-58.9pp | 86.8%-58.3pp | 80.3%-51.7pp |
| Annual return | 10.77% | 28.98%-18.2pp | 28.80%-18.0pp | 561.95%-551.2pp |
| Employer contribution / active EE | $2,300 | $7,018-67.2% | $6,424-64.2% | $4,661-50.7% |
| Participant deferral / active EE | $2,697 | $9,806-72.5% | $9,132-70.5% | $6,689-59.7% |
| Admin fee / account holder | $12,176 | $16,372-25.6% | $13,907-12.4% | $13,398-9.1% |