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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 | $62,892 | $115,814-45.7% | $101,275-37.9% | $158,982-60.4% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | 8.89% | 56.16%-47.3pp | 46.48%-37.6pp | 302.99%-294.1pp |
| Employer contribution / active EE | $13,463 | $4,176+222.4% | $3,660+267.8% | $4,763+182.7% |
| Participant deferral / active EE | $981 | $4,958-80.2% | $4,371-77.6% | $5,983-83.6% |
| Admin fee / account holder | $6,596 | $7,249-9.0% | $5,948+10.9% | $11,252-41.4% |