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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 | $30,369 | $53,774-43.5% | $134,162-77.4% | $79,856-62.0% |
| Participation rate | 66.0% | 58.8%+7.2pp | 72.2%-6.2pp | 69.6%-3.7pp |
| Annual return | 11.89% | 19.01%-7.1pp | 36.35%-24.5pp | 31.71%-19.8pp |
| Employer contribution / active EE | $367 | $1,322-72.3% | $3,705-90.1% | $2,471-85.2% |
| Participant deferral / active EE | $579 | $2,420-76.1% | $3,500-83.4% | $3,741-84.5% |
| Admin fee / account holder | $5,371 | $3,985+34.8% | $6,685-19.7% | $5,306+1.2% |