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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 | $87,603 | $81,504+7.5% | $102,437-14.5% | $80,959+8.2% |
| Participation rate | 62.5% | 66.9%-4.4pp | 74.5%-12.0pp | 67.7%-5.2pp |
| Annual return | 12.13% | 25.60%-13.5pp | 24.95%-12.8pp | 35.67%-23.5pp |
| Employer contribution / active EE | $19,221 | $3,104+519.3% | $3,871+396.6% | $2,757+597.1% |
| Participant deferral / active EE | $1,556 | $3,871-59.8% | $5,060-69.3% | $4,300-63.8% |
| Admin fee / account holder | $50,016 | $6,719+644.3% | $8,388+496.3% | $6,925+622.2% |