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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 | $75,058-33.7% | $152,301-67.3% | $64,340-22.7% |
| Participation rate | 62.7% | 60.9%+1.8pp | 82.4%-19.7pp | 55.2%+7.5pp |
| Annual return | 15.02% | 29.93%-14.9pp | 80.50%-65.5pp | 24.14%-9.1pp |
| Employer contribution / active EE | $693 | $2,605-73.4% | $4,624-85.0% | $1,862-62.8% |
| Participant deferral / active EE | $876 | $5,041-82.6% | $8,004-89.0% | $2,980-70.6% |
| Admin fee / account holder | $1,820 | $4,050-55.1% | $14,398-87.4% | $3,703-50.8% |