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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 | $71,542 | $104,607-31.6% | $96,544-25.9% | - |
| Participation rate | 55.6% | 76.2%-20.6pp | 76.0%-20.4pp | - |
| Annual return | 20.61% | 9.56%+11.0pp | 25.88%-5.3pp | - |
| Employer contribution / active EE | $1,463 | $2,147-31.8% | $2,966-50.7% | - |
| Participant deferral / active EE | $2,306 | $4,312-46.5% | $4,851-52.5% | - |
| Admin fee / account holder | $4,810 | $45,340-89.4% | $8,254-41.7% | - |