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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 | $62,203 | $154,228-59.7% | $145,433-57.2% | $137,256-54.7% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 14.20% | 74.59%-60.4pp | 66.58%-52.4pp | 220.34%-206.1pp |
| Employer contribution / active EE | $2,648 | $4,804-44.9% | $4,554-41.9% | $4,156-36.3% |
| Participant deferral / active EE | $217 | $8,216-97.4% | $7,897-97.3% | $6,407-96.6% |
| Admin fee / account holder | $4,357 | $14,344-69.6% | $13,129-66.8% | $12,270-64.5% |