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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 | $116,861 | $54,380+114.9% | $68,509+70.6% | $59,633+96.0% |
| Participation rate | 62.8% | 70.2%-7.4pp | 74.7%-11.9pp | 68.7%-5.9pp |
| Annual return | 0.15% | 2.83%-2.7pp | 8.27%-8.1pp | 2041.45%-2041.3pp |
| Employer contribution / active EE | $6,259 | $1,539+306.9% | $2,278+174.8% | $2,203+184.2% |
| Participant deferral / active EE | $339 | $2,643-87.2% | $3,382-90.0% | $3,192-89.4% |
| Admin fee / account holder | $47,604 | $3,885+1125.2% | $5,275+802.5% | $4,297+1007.9% |