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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 | $99,644 | $86,050+15.8% | $189,758-47.5% | $94,015+6.0% |
| Participation rate | 16.3% | 68.9%-52.6pp | 79.8%-63.5pp | 70.8%-54.5pp |
| Annual return | 15.89% | 17.77%-1.9pp | 52.62%-36.7pp | 17.84%-2.0pp |
| Employer contribution / active EE | $584 | $2,819-79.3% | $4,767-87.7% | $2,790-79.1% |
| Participant deferral / active EE | $976 | $3,349-70.9% | $5,856-83.3% | $4,249-77.0% |
| Admin fee / account holder | $830 | $6,627-87.5% | $20,388-95.9% | $8,951-90.7% |