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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 | $69,243 | $85,766-19.3% | $136,298-49.2% | $70,126-1.3% |
| Participation rate | 15.6% | 74.2%-58.5pp | 81.9%-66.3pp | 69.5%-53.9pp |
| Annual return | 18.17% | 31.46%-13.3pp | 5156.27%-5138.1pp | 73.15%-55.0pp |
| Employer contribution / active EE | $562 | $2,966-81.0% | $4,696-88.0% | $2,343-76.0% |
| Participant deferral / active EE | $2,078 | $5,051-58.9% | $6,247-66.7% | $3,332-37.6% |
| Admin fee / account holder | $6,875 | $5,421+26.8% | $9,244-25.6% | $4,645+48.0% |