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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 | $115,075 | $117,859-2.4% | $102,438+12.3% | $145,959-21.2% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 8.83% | 31.72%-22.9pp | 29.37%-20.5pp | 561.95%-553.1pp |
| Employer contribution / active EE | $900 | $3,615-75.1% | $3,024-70.2% | $4,661-80.7% |
| Participant deferral / active EE | $0 | $5,732-100.0% | $5,054-100.0% | $6,689-100.0% |
| Admin fee / account holder | $1,329 | $13,318-90.0% | $9,448-85.9% | $13,398-90.1% |