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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 | $34,900 | $99,994-65.1% | $146,643-76.2% | $85,847-59.3% |
| Participation rate | 68.2% | 73.1%-4.9pp | 80.1%-11.9pp | 69.3%-1.1pp |
| Annual return | 15.89% | 18.93%-3.0pp | 22.75%-6.9pp | 318.61%-302.7pp |
| Employer contribution / active EE | $2,573 | $2,559+0.5% | $4,137-37.8% | $2,565+0.3% |
| Participant deferral / active EE | $693 | $4,006-82.7% | $5,506-87.4% | $3,952-82.5% |
| Admin fee / account holder | $13,339 | $7,703+73.2% | $10,280+29.8% | $6,261+113.1% |