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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 | $68,678 | $77,817-11.7% | $123,553-44.4% | $64,173+7.0% |
| Participation rate | 56.7% | 74.7%-18.0pp | 82.3%-25.6pp | 69.6%-12.9pp |
| Annual return | -5.08% | 12.49%-17.6pp | 119.21%-124.3pp | 7.63%-12.7pp |
| Employer contribution / active EE | $1,313 | $3,014-56.4% | $4,628-71.6% | $2,381-44.8% |
| Participant deferral / active EE | $2,163 | $5,240-58.7% | $6,426-66.3% | $3,470-37.6% |
| Admin fee / account holder | $2,519 | $5,519-54.4% | $9,284-72.9% | $4,887-48.5% |