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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 | $100,194-31.9% | $122,979-44.6% | $86,983-21.6% |
| Participation rate | 60.5% | 73.0%-12.5pp | 77.2%-16.7pp | 69.5%-9.1pp |
| Annual return | 50.46% | 16.47%+34.0pp | 20.12%+30.3pp | 25.83%+24.6pp |
| Employer contribution / active EE | $794 | $2,326-65.9% | $3,062-74.1% | $2,584-69.3% |
| Participant deferral / active EE | $1,032 | $4,133-75.0% | $5,003-79.4% | $4,194-75.4% |
| Admin fee / account holder | $25,655 | $10,148+152.8% | $12,864+99.4% | $7,856+226.6% |