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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 | $50,360 | $83,908-40.0% | $68,509-26.5% | $125,389-59.8% |
| Participation rate | 68.8% | 78.2%-9.4pp | 74.7%-6.0pp | 83.2%-14.4pp |
| Annual return | -0.75% | 14.48%-15.2pp | 8.27%-9.0pp | 282.24%-283.0pp |
| Employer contribution / active EE | $633 | $3,031-79.1% | $2,278-72.2% | $4,866-87.0% |
| Participant deferral / active EE | $690 | $4,125-83.3% | $3,382-79.6% | $5,352-87.1% |
| Admin fee / account holder | $11,736 | $8,982+30.7% | $5,275+122.5% | $9,541+23.0% |