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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 | $49,682 | $105,856-53.1% | $90,161-44.9% | $147,585-66.3% |
| Participation rate | 50.0% | 79.7%-29.7pp | 76.9%-26.9pp | 82.8%-32.8pp |
| Annual return | 18.41% | 37.63%-19.2pp | 34.89%-16.5pp | 578.58%-560.2pp |
| Employer contribution / active EE | $1,310 | $4,126-68.2% | $3,318-60.5% | $4,876-73.1% |
| Participant deferral / active EE | $1,638 | $5,733-71.4% | $5,287-69.0% | $5,439-69.9% |
| Admin fee / account holder | $11,873 | $8,046+47.6% | $5,943+99.8% | $10,886+9.1% |