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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 | $67,938 | $54,193+25.4% | $93,681-27.5% | $77,692-12.6% |
| Participation rate | 15.1% | 63.9%-48.8pp | 68.7%-53.6pp | 70.6%-55.5pp |
| Annual return | 12.28% | 30.54%-18.3pp | 133.47%-121.2pp | 31.25%-19.0pp |
| Employer contribution / active EE | $339 | $1,168-71.0% | $2,422-86.0% | $2,726-87.6% |
| Participant deferral / active EE | $744 | $3,144-76.3% | $4,415-83.2% | $4,648-84.0% |
| Admin fee / account holder | $2,160 | $576+275.2% | $8,290-73.9% | $431+401.6% |