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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 | $60,429 | $111,785-45.9% | $93,669-35.5% | $145,877-58.6% |
| Participation rate | 54.5% | 74.2%-19.7pp | 68.7%-14.2pp | 80.3%-25.8pp |
| Annual return | 19.76% | 203.79%-184.0pp | 133.59%-113.8pp | 551.28%-531.5pp |
| Employer contribution / active EE | $789 | $3,096-74.5% | $2,424-67.4% | $4,663-83.1% |
| Participant deferral / active EE | $1,092 | $4,919-77.8% | $4,416-75.3% | $6,691-83.7% |
| Admin fee / account holder | $95,186 | $10,256+828.1% | $8,291+1048.0% | $13,402+610.2% |