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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 | $47,547 | $77,817-38.9% | $123,553-61.5% | $64,173-25.9% |
| Participation rate | 23.9% | 74.7%-50.8pp | 82.3%-58.4pp | 69.6%-45.7pp |
| Annual return | -6.40% | 12.49%-18.9pp | 119.21%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $719 | $3,014-76.1% | $4,628-84.5% | $2,381-69.8% |
| Participant deferral / active EE | $1,222 | $5,240-76.7% | $6,426-81.0% | $3,470-64.8% |
| Admin fee / account holder | $1,538 | $5,519-72.1% | $9,284-83.4% | $4,887-68.5% |