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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 | $59,513 | $141,001-57.8% | $112,228-47.0% | $139,487-57.3% |
| Participation rate | 50.0% | 79.2%-29.2pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 16.36% | 32.75%-16.4pp | 30.23%-13.9pp | 373.84%-357.5pp |
| Employer contribution / active EE | $3,886 | $4,285-9.3% | $3,432+13.2% | $4,755-18.3% |
| Participant deferral / active EE | $0 | $5,877-100.0% | $4,800-100.0% | $6,713-100.0% |
| Admin fee / account holder | $2,620 | $9,959-73.7% | $7,752-66.2% | $11,407-77.0% |