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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 | $92,107 | $45,126+104.1% | $85,187+8.1% | $74,459+23.7% |
| Participation rate | 66.7% | 49.4%+17.3pp | 67.5%-0.9pp | 67.2%-0.6pp |
| Annual return | 16.57% | 26.30%-9.7pp | 66.67%-50.1pp | 1369.70%-1353.1pp |
| Employer contribution / active EE | $3,600 | $1,460+146.6% | $2,732+31.8% | $2,626+37.1% |
| Participant deferral / active EE | $485 | $2,738-82.3% | $4,525-89.3% | $4,350-88.8% |
| Admin fee / account holder | $11,157 | $2,212+404.4% | $6,162+81.1% | $1,945+473.7% |