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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 | $103,970 | $117,859-11.8% | $102,438+1.5% | $145,959-28.8% |
| Participation rate | 55.6% | 78.6%-23.0pp | 76.5%-20.9pp | 80.3%-24.7pp |
| Annual return | 13.61% | 31.72%-18.1pp | 29.37%-15.8pp | 561.95%-548.3pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,024-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $1,509 | $5,732-73.7% | $5,054-70.1% | $6,689-77.4% |
| Admin fee / account holder | $301 | $13,318-97.7% | $9,448-96.8% | $13,398-97.8% |