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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 | $98,929 | $72,486+36.5% | $87,103+13.6% | $72,976+35.6% |
| Participation rate | 28.6% | 72.8%-44.2pp | 76.9%-48.3pp | 69.5%-40.9pp |
| Annual return | 16.77% | 24.46%-7.7pp | 28.19%-11.4pp | 81.02%-64.2pp |
| Employer contribution / active EE | $692 | $1,894-63.4% | $2,521-72.5% | $2,440-71.6% |
| Participant deferral / active EE | $947 | $3,270-71.0% | $4,049-76.6% | $3,608-73.7% |
| Admin fee / account holder | $17,746 | $5,055+251.1% | $7,491+136.9% | $5,124+246.3% |