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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 | $37,339 | $56,054-33.4% | $171,082-78.2% | $62,881-40.6% |
| Participation rate | 65.6% | 62.9%+2.8pp | 76.7%-11.1pp | 69.3%-3.7pp |
| Annual return | 31.29% | 22.52%+8.8pp | 32.56%-1.3pp | 20.14%+11.1pp |
| Employer contribution / active EE | $281 | $1,731-83.8% | $4,002-93.0% | $2,281-87.7% |
| Participant deferral / active EE | $913 | $3,158-71.1% | $4,797-81.0% | $3,203-71.5% |
| Admin fee / account holder | $9,150 | $3,647+150.9% | $8,520+7.4% | $4,296+113.0% |