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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 | $104,098-34.5% | $140,514-51.5% | $94,015-27.5% |
| Participation rate | 60.5% | 73.7%-13.2pp | 77.8%-17.3pp | 70.8%-10.4pp |
| Annual return | 50.46% | 15.14%+35.3pp | 14.36%+36.1pp | 17.84%+32.6pp |
| Employer contribution / active EE | $794 | $2,388-66.8% | $3,378-76.5% | $2,790-71.5% |
| Participant deferral / active EE | $1,032 | $4,033-74.4% | $4,919-79.0% | $4,249-75.7% |
| Admin fee / account holder | $25,655 | $10,439+145.8% | $13,697+87.3% | $8,951+186.6% |