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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 | $101,360 | $123,793-18.1% | $177,840-43.0% | $79,852+26.9% |
| Participation rate | 48.3% | 84.7%-36.4pp | 87.7%-39.4pp | 69.6%-21.4pp |
| Annual return | 15.16% | 22.82%-7.7pp | 48.32%-33.2pp | 31.72%-16.6pp |
| Employer contribution / active EE | $3,438 | $4,095-16.1% | $5,919-41.9% | $2,471+39.1% |
| Participant deferral / active EE | $1,856 | $5,956-68.8% | $7,714-75.9% | $3,740-50.4% |
| Admin fee / account holder | $840 | $7,243-88.4% | $12,431-93.2% | $5,306-84.2% |