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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 | $68,260 | $79,181-13.8% | $102,423-33.4% | $74,429-8.3% |
| Participation rate | 49.1% | 74.8%-25.7pp | 76.5%-27.4pp | 67.2%-18.1pp |
| Annual return | 11.51% | 54.97%-43.5pp | 29.42%-17.9pp | 1368.38%-1356.9pp |
| Employer contribution / active EE | $877 | $2,362-62.8% | $3,023-71.0% | $2,625-66.6% |
| Participant deferral / active EE | $1,412 | $4,416-68.0% | $5,054-72.1% | $4,348-67.5% |
| Admin fee / account holder | $3,432 | $2,002+71.4% | $9,455-63.7% | $1,944+76.5% |