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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 | $85,419 | $86,940-1.7% | $102,434-16.6% | $80,935+5.5% |
| Participation rate | 42.4% | 72.4%-30.0pp | 76.5%-34.1pp | 67.7%-25.2pp |
| Annual return | 12.12% | 18.89%-6.8pp | 29.46%-17.3pp | 35.66%-23.5pp |
| Employer contribution / active EE | $929 | $2,370-60.8% | $3,023-69.3% | $2,757-66.3% |
| Participant deferral / active EE | $1,141 | $4,121-72.3% | $5,055-77.4% | $4,299-73.5% |
| Admin fee / account holder | $18,596 | $8,047+131.1% | $9,462+96.5% | $6,924+168.6% |