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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 | $94,328 | $106,749-11.6% | $145,433-35.1% | $82,448+14.4% |
| Participation rate | 38.5% | 75.6%-37.2pp | 82.1%-43.7pp | 68.1%-29.6pp |
| Annual return | 16.47% | 27.59%-11.1pp | 66.58%-50.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,318 | $3,444-61.7% | $4,554-71.1% | $2,551-48.3% |
| Participant deferral / active EE | $2,410 | $6,519-63.0% | $7,897-69.5% | $4,139-41.8% |
| Admin fee / account holder | $23,784 | $8,390+183.5% | $13,129+81.2% | $7,234+228.8% |