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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 | $207,742 | $110,278+88.4% | $95,740+117.0% | $139,466+49.0% |
| Participation rate | 60.0% | 75.7%-15.7pp | 72.3%-12.3pp | 80.3%-20.3pp |
| Annual return | 24.63% | 27.19%-2.6pp | 28.41%-3.8pp | 373.66%-349.0pp |
| Employer contribution / active EE | $0 | $3,260-100.0% | $2,836-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $125 | $4,674-97.3% | $4,244-97.1% | $6,712-98.1% |
| Admin fee / account holder | $43,547 | $6,613+558.5% | $5,676+667.2% | $11,409+281.7% |