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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 | $35,075 | $76,112-53.9% | $96,534-63.7% | $71,511-51.0% |
| Participation rate | 41.1% | 74.4%-33.3pp | 76.0%-34.8pp | 67.9%-26.8pp |
| Annual return | 89.91% | 22.81%+67.1pp | 25.88%+64.0pp | 28.86%+61.1pp |
| Employer contribution / active EE | $860 | $2,248-61.7% | $2,965-71.0% | $2,589-66.8% |
| Participant deferral / active EE | $1,505 | $4,217-64.3% | $4,851-69.0% | $4,291-64.9% |
| Admin fee / account holder | $4,370 | $2,708+61.4% | $8,253-47.0% | $1,588+175.1% |