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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 | $81,493 | $232,540-65.0% | $185,117-56.0% | $147,586-44.8% |
| Participation rate | 66.7% | 82.4%-15.7pp | 77.3%-10.6pp | 82.8%-16.2pp |
| Annual return | 7.42% | 43.03%-35.6pp | 40.50%-33.1pp | 578.59%-571.2pp |
| Employer contribution / active EE | $750 | $5,195-85.6% | $4,182-82.1% | $4,876-84.6% |
| Participant deferral / active EE | $750 | $5,834-87.1% | $5,045-85.1% | $5,439-86.2% |
| Admin fee / account holder | $80,000 | $10,275+678.6% | $8,159+880.5% | $10,886+634.9% |