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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 | $79,684 | $50,947+56.4% | $74,549+6.9% | $64,173+24.2% |
| Participation rate | 53.9% | 61.1%-7.1pp | 69.1%-15.2pp | 69.6%-15.6pp |
| Annual return | 7.05% | -1.85%+8.9pp | 32.53%-25.5pp | 7.63%-0.6pp |
| Employer contribution / active EE | $463 | $1,115-58.5% | $1,961-76.4% | $2,381-80.6% |
| Participant deferral / active EE | $1,011 | $2,302-56.1% | $3,108-67.5% | $3,470-70.9% |
| Admin fee / account holder | $11,013 | $4,221+160.9% | $5,059+117.7% | $4,887+125.3% |