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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 | $49,727 | $88,360-43.7% | $145,433-65.8% | $67,986-26.9% |
| Participation rate | 62.7% | 65.5%-2.7pp | 82.1%-19.4pp | 57.2%+5.5pp |
| Annual return | 15.02% | 63.15%-48.1pp | 66.58%-51.6pp | 31.67%-16.6pp |
| Employer contribution / active EE | $693 | $3,054-77.3% | $4,554-84.8% | $2,019-65.7% |
| Participant deferral / active EE | $876 | $5,932-85.2% | $7,897-88.9% | $3,358-73.9% |
| Admin fee / account holder | $1,820 | $3,313-45.1% | $13,129-86.1% | $3,203-43.2% |