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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 | $55,833 | $111,301-49.8% | $112,977-50.6% | $158,982-64.9% |
| Participation rate | 50.0% | 83.5%-33.5pp | 82.6%-32.6pp | 82.0%-32.0pp |
| Annual return | 8.78% | 26.40%-17.6pp | 24.24%-15.5pp | 302.99%-294.2pp |
| Employer contribution / active EE | $1,458 | $4,471-67.4% | $4,255-65.7% | $4,763-69.4% |
| Participant deferral / active EE | $1,545 | $5,880-73.7% | $5,836-73.5% | $5,983-74.2% |
| Admin fee / account holder | $47,128 | $8,392+461.6% | $6,294+648.8% | $11,252+318.9% |