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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 | $101,591-33.6% | $147,096-54.1% | $74,429-9.3% |
| Participation rate | 50.0% | 75.5%-25.5pp | 82.2%-32.2pp | 67.2%-17.2pp |
| Annual return | 13.69% | 8746.45%-8732.8pp | 419.75%-406.1pp | 1368.38%-1354.7pp |
| Employer contribution / active EE | $1,455 | $3,813-61.8% | $4,936-70.5% | $2,625-44.6% |
| Participant deferral / active EE | $3,044 | $7,302-58.3% | $8,071-62.3% | $4,348-30.0% |
| Admin fee / account holder | $1,696 | $1,750-3.1% | $13,005-87.0% | $1,944-12.8% |