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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 | $67,497 | $101,499-33.5% | $147,005-54.1% | $74,546-9.5% |
| Participation rate | 50.0% | 75.5%-25.5pp | 82.2%-32.2pp | 67.2%-17.2pp |
| Annual return | 13.69% | 8732.34%-8718.7pp | 418.76%-405.1pp | 1366.03%-1352.3pp |
| Employer contribution / active EE | $1,455 | $3,811-61.8% | $4,934-70.5% | $2,624-44.6% |
| Participant deferral / active EE | $3,044 | $7,304-58.3% | $8,070-62.3% | $4,347-30.0% |
| Admin fee / account holder | $1,696 | $1,748-3.0% | $13,006-87.0% | $1,944-12.8% |