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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 | $38,270 | $57,828-33.8% | $117,039-67.3% | $70,126-45.4% |
| Participation rate | 48.9% | 67.1%-18.2pp | 77.2%-28.2pp | 69.5%-20.6pp |
| Annual return | 22.43% | 17.55%+4.9pp | 18.95%+3.5pp | 73.15%-50.7pp |
| Employer contribution / active EE | $550 | $1,816-69.7% | $3,785-85.5% | $2,343-76.5% |
| Participant deferral / active EE | $870 | $2,438-64.3% | $3,929-77.9% | $3,332-73.9% |
| Admin fee / account holder | $3,389 | $3,548-4.5% | $5,974-43.3% | $4,645-27.1% |