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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 | $50,555 | $133,998-62.3% | $112,263-55.0% | $134,545-62.4% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | 4.54% | 47.17%-42.6pp | 27.49%-22.9pp | 418.37%-413.8pp |
| Employer contribution / active EE | $1,342 | $4,040-66.8% | $3,636-63.1% | $4,742-71.7% |
| Participant deferral / active EE | $596 | $5,292-88.7% | $4,729-87.4% | $6,401-90.7% |
| Admin fee / account holder | $7,584 | $7,493+1.2% | $6,410+18.3% | $11,431-33.6% |