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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 | $107,666-56.0% | $102,184-53.7% | $154,746-69.4% |
| Participation rate | 66.7% | 83.7%-17.1pp | 82.6%-15.9pp | 80.7%-14.0pp |
| Annual return | 16.94% | 29.33%-12.4pp | 31.58%-14.6pp | 172.34%-155.4pp |
| Employer contribution / active EE | $4,533 | $3,846+17.9% | $3,594+26.1% | $4,379+3.5% |
| Participant deferral / active EE | $1,170 | $8,719-86.6% | $8,309-85.9% | $6,730-82.6% |
| Admin fee / account holder | $1,377 | $12,943-89.4% | $11,609-88.1% | $14,365-90.4% |