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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 | $119,056 | $71,878+65.6% | $86,698+37.3% | $68,486+73.8% |
| Participation rate | 47.6% | 72.2%-24.6pp | 76.6%-29.0pp | 67.9%-20.3pp |
| Annual return | -15.47% | 3.53%-19.0pp | 35.95%-51.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $600 | $2,173-72.4% | $2,837-78.9% | $2,597-76.9% |
| Participant deferral / active EE | $657 | $3,779-82.6% | $4,656-85.9% | $4,028-83.7% |
| Admin fee / account holder | $5,321 | $6,113-12.9% | $7,493-29.0% | $5,404-1.5% |