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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 | $25,102 | $84,236-70.2% | $170,435-85.3% | $70,126-64.2% |
| Participation rate | 49.0% | 70.8%-21.9pp | 83.6%-34.6pp | 69.5%-20.6pp |
| Annual return | 12.85% | 23.06%-10.2pp | 205.94%-193.1pp | 73.15%-60.3pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $813 | $3,086-73.7% | $4,939-83.5% | $3,332-75.6% |
| Admin fee / account holder | $5,637 | $5,698-1.1% | $13,881-59.4% | $4,645+21.4% |