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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 | $88,245 | $95,664-7.8% | $76,902+14.7% | $139,487-36.7% |
| Participation rate | 15.0% | 74.0%-59.0pp | 69.6%-54.6pp | 80.3%-65.3pp |
| Annual return | 16.05% | 55.03%-39.0pp | 37.91%-21.9pp | 373.84%-357.8pp |
| Employer contribution / active EE | $511 | $3,147-83.8% | $2,534-79.8% | $4,755-89.3% |
| Participant deferral / active EE | $728 | $4,626-84.3% | $3,833-81.0% | $6,713-89.2% |
| Admin fee / account holder | $3,279 | $8,311-60.5% | $5,479-40.2% | $11,407-71.3% |