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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 | $68,185 | $95,453-28.6% | $112,040-39.1% | $82,448-17.3% |
| Participation rate | 60.5% | 72.8%-12.3pp | 76.5%-16.0pp | 68.1%-7.6pp |
| Annual return | 50.46% | 23.92%+26.5pp | 24.52%+25.9pp | 41.64%+8.8pp |
| Employer contribution / active EE | $794 | $2,318-65.7% | $2,954-73.1% | $2,551-68.9% |
| Participant deferral / active EE | $1,032 | $4,224-75.6% | $5,098-79.8% | $4,139-75.1% |
| Admin fee / account holder | $25,655 | $9,013+184.6% | $12,098+112.1% | $7,234+254.6% |