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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 | $81,753 | $79,169+3.3% | $100,415-18.6% | $74,478+9.8% |
| Participation rate | 50.0% | 79.4%-29.4pp | 81.5%-31.5pp | 67.2%-17.2pp |
| Annual return | 19.21% | 20.51%-1.3pp | 49.47%-30.3pp | 1370.56%-1351.3pp |
| Employer contribution / active EE | $1,885 | $3,017-37.5% | $3,943-52.2% | $2,626-28.2% |
| Participant deferral / active EE | $3,162 | $7,751-59.2% | $8,091-60.9% | $4,350-27.3% |
| Admin fee / account holder | $1,147 | $1,337-14.2% | $7,906-85.5% | $1,946-41.1% |