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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 | $64,165 | $64,719-0.9% | $112,249-42.8% | $68,486-6.3% |
| Participation rate | 69.4% | 67.2%+2.3pp | 75.1%-5.6pp | 67.9%+1.6pp |
| Annual return | -17.47% | -11.40%-6.1pp | 27.48%-45.0pp | -7.85%-9.6pp |
| Employer contribution / active EE | $11,564 | $2,747+321.0% | $3,636+218.0% | $2,597+345.3% |
| Participant deferral / active EE | $1,107 | $3,565-69.0% | $4,729-76.6% | $4,028-72.5% |
| Admin fee / account holder | $4,890 | $5,232-6.5% | $6,412-23.7% | $5,404-9.5% |