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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 | $103,354 | $99,994+3.4% | $146,643-29.5% | $85,847+20.4% |
| Participation rate | 48.3% | 73.1%-24.8pp | 80.1%-31.8pp | 69.3%-21.0pp |
| Annual return | 25.62% | 18.93%+6.7pp | 22.75%+2.9pp | 318.61%-293.0pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $811 | $4,006-79.8% | $5,506-85.3% | $3,952-79.5% |
| Admin fee / account holder | $1,653 | $7,703-78.5% | $10,280-83.9% | $6,261-73.6% |