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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 | $27,297 | $58,627-53.4% | $76,735-64.4% | $82,448-66.9% |
| Participation rate | 64.9% | 63.2%+1.6pp | 69.5%-4.6pp | 68.1%-3.2pp |
| Annual return | 13.88% | 39.10%-25.2pp | 29.77%-15.9pp | 41.64%-27.8pp |
| Employer contribution / active EE | $3,879 | $1,729+124.3% | $2,454+58.1% | $2,551+52.1% |
| Participant deferral / active EE | $194 | $3,134-93.8% | $4,088-95.3% | $4,139-95.3% |
| Admin fee / account holder | $4,384 | $5,323-17.6% | $7,189-39.0% | $7,234-39.4% |