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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 | $52,823 | $102,422-48.4% | $147,117-64.1% | $80,959-34.8% |
| Participation rate | 55.7% | 75.9%-20.1pp | 82.2%-26.4pp | 67.7%-11.9pp |
| Annual return | 12.07% | 135.16%-123.1pp | 420.54%-408.5pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,496 | $3,717-59.8% | $4,932-69.7% | $2,757-45.8% |
| Participant deferral / active EE | $2,140 | $6,652-67.8% | $8,065-73.5% | $4,300-50.2% |
| Admin fee / account holder | $1,482 | $7,953-81.4% | $12,993-88.6% | $6,925-78.6% |