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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 | $75,923 | $67,602+12.3% | $82,312-7.8% | $70,126+8.3% |
| Participation rate | 43.3% | 72.8%-29.4pp | 76.9%-33.6pp | 69.5%-26.2pp |
| Annual return | 16.89% | 21.57%-4.7pp | 25.88%-9.0pp | 73.15%-56.3pp |
| Employer contribution / active EE | $717 | $1,755-59.2% | $2,428-70.5% | $2,343-69.4% |
| Participant deferral / active EE | $1,292 | $2,987-56.8% | $3,706-65.1% | $3,332-61.2% |
| Admin fee / account holder | $392 | $4,512-91.3% | $5,608-93.0% | $4,645-91.6% |