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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 | $60,442+7.3% | $96,754-33.0% | $87,485-25.9% |
| Participation rate | 25.0% | 58.7%-33.7pp | 70.3%-45.3pp | 68.9%-43.9pp |
| Annual return | 16.13% | 21.97%-5.8pp | 82.04%-65.9pp | 26.06%-9.9pp |
| Employer contribution / active EE | $219 | $1,691-87.0% | $2,679-91.8% | $2,596-91.6% |
| Participant deferral / active EE | $876 | $3,280-73.3% | $4,758-81.6% | $4,274-79.5% |
| Admin fee / account holder | $7,911 | $5,069+56.1% | $8,905-11.2% | $7,775+1.7% |