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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 | $104,098 | $162,781-36.1% | $133,956-22.3% | $158,931-34.5% |
| Participation rate | 40.0% | 83.2%-43.2pp | 79.8%-39.8pp | 82.0%-42.0pp |
| Annual return | 10.65% | 41.94%-31.3pp | 45.09%-34.4pp | 302.86%-292.2pp |
| Employer contribution / active EE | $0 | $4,975-100.0% | $3,919-100.0% | $4,761-100.0% |
| Participant deferral / active EE | $1,538 | $5,911-74.0% | $5,048-69.5% | $5,982-74.3% |
| Admin fee / account holder | $18,799 | $11,736+60.2% | $8,927+110.6% | $11,247+67.1% |