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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 | $65,725 | $99,994-34.3% | $146,647-55.2% | $85,851-23.4% |
| Participation rate | 24.7% | 73.1%-48.4pp | 80.1%-55.4pp | 69.3%-44.6pp |
| Annual return | 16.25% | 18.93%-2.7pp | 22.75%-6.5pp | 318.63%-302.4pp |
| Employer contribution / active EE | $705 | $2,559-72.4% | $4,137-83.0% | $2,565-72.5% |
| Participant deferral / active EE | $1,585 | $4,006-60.4% | $5,506-71.2% | $3,952-59.9% |
| Admin fee / account holder | $1,800 | $7,703-76.6% | $10,281-82.5% | $6,261-71.3% |