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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 | $77,024 | $71,873+7.2% | $86,698-11.2% | $68,490+12.5% |
| Participation rate | 46.0% | 72.2%-26.2pp | 76.6%-30.6pp | 67.9%-21.9pp |
| Annual return | 0.00% | 3.54%-3.5pp | 35.96%-36.0pp | -7.85%+7.9pp |
| Employer contribution / active EE | $603 | $2,173-72.3% | $2,837-78.7% | $2,597-76.8% |
| Participant deferral / active EE | $1,334 | $3,779-64.7% | $4,656-71.3% | $4,028-66.9% |
| Admin fee / account holder | $2,168 | $6,110-64.5% | $7,492-71.1% | $5,403-59.9% |