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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 | $61,863 | $59,440+4.1% | $78,004-20.7% | $82,637-25.1% |
| Participation rate | 48.0% | 62.8%-14.8pp | 69.4%-21.4pp | 68.1%-20.1pp |
| Annual return | 16.32% | 40.24%-23.9pp | 31.07%-14.8pp | 53.51%-37.2pp |
| Employer contribution / active EE | $559 | $1,750-68.0% | $2,469-77.3% | $2,552-78.1% |
| Participant deferral / active EE | $620 | $3,138-80.3% | $4,092-84.9% | $4,126-85.0% |
| Admin fee / account holder | $4,682 | $5,504-14.9% | $7,578-38.2% | $7,339-36.2% |