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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 | $47,356 | $100,970-53.1% | $96,576-51.0% | $137,256-65.5% |
| Participation rate | 66.7% | 82.6%-15.9pp | 81.4%-14.8pp | 80.0%-13.3pp |
| Annual return | 16.94% | 38.16%-21.2pp | 38.47%-21.5pp | 220.34%-203.4pp |
| Employer contribution / active EE | $4,533 | $3,809+19.0% | $3,553+27.6% | $4,156+9.1% |
| Participant deferral / active EE | $1,170 | $8,286-85.9% | $7,956-85.3% | $6,407-81.7% |
| Admin fee / account holder | $1,377 | $11,312-87.8% | $11,381-87.9% | $12,270-88.8% |