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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 | $64,717 | $99,652-35.1% | $78,778-17.8% | $147,586-56.1% |
| Participation rate | 27.3% | 76.2%-49.0pp | 69.2%-41.9pp | 82.8%-55.6pp |
| Annual return | 45.64% | 47.28%-1.6pp | 35.62%+10.0pp | 578.59%-532.9pp |
| Employer contribution / active EE | $0 | $2,796-100.0% | $1,986-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $691 | $3,664-81.1% | $2,958-76.7% | $5,439-87.3% |
| Admin fee / account holder | $20,253 | $7,155+183.0% | $5,134+294.5% | $10,886+86.0% |