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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 | $126,258 | $62,583+101.7% | $76,767+64.5% | $64,173+96.7% |
| Participation rate | 62.8% | 72.8%-10.0pp | 77.0%-14.2pp | 69.6%-6.8pp |
| Annual return | -6.65% | -1.95%-4.7pp | 2.43%-9.1pp | 7.63%-14.3pp |
| Employer contribution / active EE | $7,344 | $1,832+300.8% | $2,485+195.5% | $2,381+208.5% |
| Participant deferral / active EE | $1,415 | $3,145-55.0% | $3,852-63.3% | $3,470-59.2% |
| Admin fee / account holder | $12,197 | $4,667+161.4% | $6,675+82.7% | $4,887+149.6% |