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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 | $69,881 | $78,423-10.9% | $95,964-27.2% | $79,856-12.5% |
| Participation rate | 57.1% | 73.5%-16.3pp | 77.1%-19.9pp | 69.6%-12.5pp |
| Annual return | 19.71% | 19.37%+0.3pp | 91.64%-71.9pp | 31.71%-12.0pp |
| Employer contribution / active EE | $1,140 | $1,945-41.4% | $2,541-55.1% | $2,471-53.9% |
| Participant deferral / active EE | $1,549 | $3,440-55.0% | $4,167-62.8% | $3,741-58.6% |
| Admin fee / account holder | $539 | $5,622-90.4% | $6,797-92.1% | $5,306-89.9% |