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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 | $38,135 | $87,166-56.2% | $76,735-50.3% | $137,256-72.2% |
| Participation rate | 41.2% | 74.4%-33.2pp | 69.5%-28.3pp | 80.0%-38.8pp |
| Annual return | 15.93% | 26.50%-10.6pp | 29.77%-13.8pp | 220.34%-204.4pp |
| Employer contribution / active EE | $755 | $2,904-74.0% | $2,454-69.2% | $4,156-81.8% |
| Participant deferral / active EE | $973 | $4,726-79.4% | $4,088-76.2% | $6,407-84.8% |
| Admin fee / account holder | $14,245 | $8,403+69.5% | $7,189+98.1% | $12,270+16.1% |