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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 | $48,018 | $54,541-12.0% | $78,778-39.0% | $70,126-31.5% |
| Participation rate | 40.0% | 60.8%-20.8pp | 69.2%-29.2pp | 69.5%-29.5pp |
| Annual return | 13.52% | 21.07%-7.6pp | 35.62%-22.1pp | 73.15%-59.6pp |
| Employer contribution / active EE | $207 | $1,089-81.0% | $1,986-89.6% | $2,343-91.2% |
| Participant deferral / active EE | $951 | $2,210-57.0% | $2,958-67.9% | $3,332-71.5% |
| Admin fee / account holder | $11,855 | $3,709+219.7% | $5,134+130.9% | $4,645+155.2% |