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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 | $78,216 | $73,638+6.2% | $108,405-27.8% | $79,389-1.5% |
| Participation rate | 35.5% | 77.4%-41.9pp | 80.1%-44.6pp | 70.7%-35.2pp |
| Annual return | 17.98% | 33.27%-15.3pp | 905.55%-887.6pp | 116.89%-98.9pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,559-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,476 | $6,218-60.2% | $6,563-62.3% | $4,046-38.8% |
| Admin fee / account holder | $1,794 | $638+181.1% | $7,297-75.4% | $626+186.4% |