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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 | $27,942 | $111,785-75.0% | $93,669-70.2% | $145,877-80.8% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 14.71% | 203.79%-189.1pp | 133.59%-118.9pp | 551.28%-536.6pp |
| Employer contribution / active EE | $713 | $3,096-77.0% | $2,424-70.6% | $4,663-84.7% |
| Participant deferral / active EE | $934 | $4,919-81.0% | $4,416-78.8% | $6,691-86.0% |
| Admin fee / account holder | $4,758 | $10,256-53.6% | $8,291-42.6% | $13,402-64.5% |