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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 | $35,055 | $101,950-65.6% | $125,529-72.1% | $86,983-59.7% |
| Participation rate | 64.0% | 70.2%-6.2pp | 74.7%-10.7pp | 69.5%-5.5pp |
| Annual return | 15.79% | 18.29%-2.5pp | 202.56%-186.8pp | 25.83%-10.0pp |
| Employer contribution / active EE | $876 | $2,358-62.9% | $3,058-71.4% | $2,584-66.1% |
| Participant deferral / active EE | $1,195 | $3,862-69.1% | $4,813-75.2% | $4,194-71.5% |
| Admin fee / account holder | $13,751 | $12,791+7.5% | $16,298-15.6% | $7,856+75.0% |