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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 | $94,652 | $42,910+120.6% | $60,919+55.4% | $68,490+38.2% |
| Participation rate | 9.8% | 66.8%-57.0pp | 73.1%-63.3pp | 67.9%-58.1pp |
| Annual return | -17.99% | -13.99%-4.0pp | 16.96%-35.0pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,157 | $1,978+9.0% | $2,704-20.2% | $2,597-16.9% |
| Participant deferral / active EE | $740 | $2,866-74.2% | $3,814-80.6% | $4,028-81.6% |
| Admin fee / account holder | $3,533 | $3,104+13.8% | $3,228+9.5% | $5,403-34.6% |