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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 | $117,904-11.8% | $102,457+1.5% | $145,978-28.8% |
| Participation rate | 55.6% | 78.6%-23.0pp | 76.5%-20.9pp | 80.3%-24.7pp |
| Annual return | 13.61% | 31.80%-18.2pp | 29.41%-15.8pp | 550.52%-536.9pp |
| Employer contribution / active EE | $0 | $3,613-100.0% | $3,022-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,509 | $5,733-73.7% | $5,054-70.1% | $6,690-77.4% |
| Admin fee / account holder | $301 | $13,329-97.7% | $9,451-96.8% | $13,400-97.8% |