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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 | $103,957 | $99,652+4.3% | $78,778+32.0% | $147,586-29.6% |
| Participation rate | 40.0% | 76.2%-36.2pp | 69.2%-29.2pp | 82.8%-42.8pp |
| Annual return | 10.82% | 47.28%-36.5pp | 35.62%-24.8pp | 578.59%-567.8pp |
| Employer contribution / active EE | $362 | $2,796-87.1% | $1,986-81.8% | $4,876-92.6% |
| Participant deferral / active EE | $364 | $3,664-90.1% | $2,958-87.7% | $5,439-93.3% |
| Admin fee / account holder | $48,870 | $7,155+583.0% | $5,134+851.9% | $10,886+348.9% |