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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 | $111,878-46.0% | $93,727-35.5% | $145,897-58.6% |
| Participation rate | 54.5% | 74.2%-19.7pp | 68.7%-14.2pp | 80.3%-25.8pp |
| Annual return | 19.76% | 204.28%-184.5pp | 133.83%-114.1pp | 552.29%-532.5pp |
| Employer contribution / active EE | $789 | $3,092-74.5% | $2,421-67.4% | $4,663-83.1% |
| Participant deferral / active EE | $1,092 | $4,920-77.8% | $4,417-75.3% | $6,689-83.7% |
| Admin fee / account holder | $95,186 | $10,256+828.1% | $8,292+1048.0% | $13,390+610.9% |