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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 | $51,639 | $100,073-48.4% | $85,126-39.3% | $145,877-64.6% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 13.83% | 84.11%-70.3pp | 66.63%-52.8pp | 551.28%-537.4pp |
| Employer contribution / active EE | $1,124 | $3,236-65.3% | $2,731-58.8% | $4,663-75.9% |
| Participant deferral / active EE | $768 | $5,294-85.5% | $4,523-83.0% | $6,691-88.5% |
| Admin fee / account holder | $20,148 | $7,261+177.5% | $6,160+227.1% | $13,402+50.3% |