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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 | $45,151 | $79,955-43.5% | $98,461-54.1% | $75,173-39.9% |
| Participation rate | 68.1% | 70.4%-2.3pp | 75.2%-7.1pp | 67.2%+0.9pp |
| Annual return | 22.71% | 19.75%+3.0pp | 21.17%+1.5pp | 160.72%-138.0pp |
| Employer contribution / active EE | $1,076 | $2,264-52.5% | $3,049-64.7% | $2,671-59.7% |
| Participant deferral / active EE | $1,390 | $3,752-63.0% | $4,738-70.7% | $4,126-66.3% |
| Admin fee / account holder | $5,798 | $6,841-15.3% | $8,961-35.3% | $5,651+2.6% |