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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 | $77,627 | $102,429-24.2% | $147,096-47.2% | $80,925-4.1% |
| Participation rate | 69.6% | 75.9%-6.3pp | 82.2%-12.6pp | 67.7%+1.9pp |
| Annual return | 15.33% | 135.02%-119.7pp | 419.75%-404.4pp | 35.65%-20.3pp |
| Employer contribution / active EE | $1,278 | $3,716-65.6% | $4,936-74.1% | $2,756-53.6% |
| Participant deferral / active EE | $2,310 | $6,649-65.3% | $8,071-71.4% | $4,299-46.3% |
| Admin fee / account holder | $1,675 | $7,957-79.0% | $13,005-87.1% | $6,940-75.9% |