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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 | $68,502 | $71,230-3.8% | $93,727-26.9% | $80,959-15.4% |
| Participation rate | 21.4% | 60.4%-39.0pp | 68.7%-47.3pp | 67.7%-46.2pp |
| Annual return | 16.91% | 11.26%+5.7pp | 133.83%-116.9pp | 35.67%-18.8pp |
| Employer contribution / active EE | $591 | $1,565-62.2% | $2,421-75.6% | $2,757-78.6% |
| Participant deferral / active EE | $1,167 | $4,037-71.1% | $4,417-73.6% | $4,300-72.9% |
| Admin fee / account holder | $3,770 | $6,961-45.8% | $8,292-54.5% | $6,925-45.6% |