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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 | $30,968 | $106,923-71.0% | $84,023-63.1% | $152,909-79.7% |
| Participation rate | 50.0% | 75.3%-25.3pp | 69.0%-19.0pp | 82.5%-32.5pp |
| Annual return | 13.08% | 105.02%-91.9pp | 71.32%-58.2pp | 345.46%-332.4pp |
| Employer contribution / active EE | $639 | $2,735-76.6% | $1,984-67.8% | $4,764-86.6% |
| Participant deferral / active EE | $870 | $4,013-78.3% | $3,239-73.1% | $5,851-85.1% |
| Admin fee / account holder | $15,348 | $8,289+85.2% | $6,102+151.5% | $11,601+32.3% |