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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 | $68,704 | $100,139-31.4% | $85,187-19.3% | $145,884-52.9% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 19.10% | 84.15%-65.0pp | 66.67%-47.6pp | 551.85%-532.7pp |
| Employer contribution / active EE | $445 | $3,238-86.2% | $2,732-83.7% | $4,662-90.4% |
| Participant deferral / active EE | $891 | $5,296-83.2% | $4,525-80.3% | $6,690-86.7% |
| Admin fee / account holder | $4,363 | $7,262-39.9% | $6,162-29.2% | $13,392-67.4% |