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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 | $87,272 | $104,607-16.6% | $96,544-9.6% | - |
| Participation rate | 53.5% | 76.2%-22.6pp | 76.0%-22.5pp | - |
| Annual return | 15.96% | 9.56%+6.4pp | 25.88%-9.9pp | - |
| Employer contribution / active EE | $1,587 | $2,147-26.1% | $2,966-46.5% | - |
| Participant deferral / active EE | $2,536 | $4,312-41.2% | $4,851-47.7% | - |
| Admin fee / account holder | $24,645 | $45,340-45.6% | $8,254+198.6% | - |