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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 | $63,113 | $105,210-40.0% | $159,487-60.4% | $85,851-26.5% |
| Participation rate | 30.9% | 75.8%-44.9pp | 82.8%-51.9pp | 69.3%-38.4pp |
| Annual return | 14.08% | 45.08%-31.0pp | 263.71%-249.6pp | 318.63%-304.6pp |
| Employer contribution / active EE | $819 | $3,319-75.3% | $4,831-83.0% | $2,565-68.1% |
| Participant deferral / active EE | $1,514 | $5,946-74.5% | $7,354-79.4% | $3,952-61.7% |
| Admin fee / account holder | $18,675 | $6,934+169.3% | $10,804+72.9% | $6,261+198.3% |