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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 | $64,858 | $63,949+1.4% | $129,031-49.7% | $94,015-31.0% |
| Participation rate | 25.0% | 63.4%-38.4pp | 73.4%-48.4pp | 70.8%-45.8pp |
| Annual return | 16.13% | 17.56%-1.4pp | 34.67%-18.5pp | 17.84%-1.7pp |
| Employer contribution / active EE | $219 | $1,865-88.3% | $3,226-93.2% | $2,790-92.2% |
| Participant deferral / active EE | $876 | $3,686-76.2% | $5,217-83.2% | $4,249-79.4% |
| Admin fee / account holder | $7,911 | $5,523+43.2% | $13,208-40.1% | $8,951-11.6% |