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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 | $25,862 | $124,351-79.2% | $109,188-76.3% | $167,553-84.6% |
| Participation rate | 44.4% | 79.4%-35.0pp | 75.9%-31.4pp | 82.1%-37.7pp |
| Annual return | 0.00% | 26.04%-26.0pp | 25.76%-25.8pp | 478.89%-478.9pp |
| Employer contribution / active EE | $1,875 | $4,210-55.4% | $3,723-49.6% | $4,840-61.2% |
| Participant deferral / active EE | $1,475 | $5,257-71.9% | $4,654-68.3% | $6,343-76.7% |
| Admin fee / account holder | $17,402 | $7,975+118.2% | $6,755+157.6% | $12,316+41.3% |