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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 | $72,464 | $75,923-4.6% | $102,460-29.3% | - |
| Participation rate | 55.6% | 71.4%-15.8pp | 76.5%-21.0pp | - |
| Annual return | 19.10% | 15.12%+4.0pp | 29.47%-10.4pp | - |
| Employer contribution / active EE | $1,333 | $2,206-39.6% | $3,025-55.9% | - |
| Participant deferral / active EE | $2,057 | $4,258-51.7% | $5,056-59.3% | - |
| Admin fee / account holder | $18,588 | $11,449+62.4% | $9,460+96.5% | - |