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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 | $91,473 | $98,776-7.4% | $149,745-38.9% | $79,856+14.5% |
| Participation rate | 48.6% | 75.8%-27.1pp | 82.5%-33.8pp | 69.6%-21.0pp |
| Annual return | 16.71% | 27.38%-10.7pp | 276.72%-260.0pp | 31.71%-15.0pp |
| Employer contribution / active EE | $1,311 | $3,217-59.2% | $4,646-71.8% | $2,471-46.9% |
| Participant deferral / active EE | $2,234 | $5,681-60.7% | $6,843-67.4% | $3,741-40.3% |
| Admin fee / account holder | $4,923 | $6,053-18.7% | $9,312-47.1% | $5,306-7.2% |