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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 | $60,190 | $198,836-69.7% | $102,437-41.2% | - |
| Participation rate | 24.2% | 60.8%-36.6pp | 74.5%-50.3pp | - |
| Annual return | 10.73% | 12.43%-1.7pp | 24.95%-14.2pp | - |
| Employer contribution / active EE | $0 | $2,607-100.0% | $3,871-100.0% | - |
| Participant deferral / active EE | $989 | $3,407-71.0% | $5,060-80.5% | - |
| Admin fee / account holder | $15,333 | $10,004+53.3% | $8,388+82.8% | - |