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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 | $41,240 | $125,778-67.2% | $114,563-64.0% | $154,746-73.3% |
| Participation rate | 41.7% | 75.2%-33.5pp | 72.9%-31.2pp | 80.7%-39.0pp |
| Annual return | 7.90% | 295.14%-287.2pp | 241.09%-233.2pp | 172.34%-164.4pp |
| Employer contribution / active EE | $1,200 | $2,806-57.2% | $2,592-53.7% | $4,379-72.6% |
| Participant deferral / active EE | $768 | $4,445-82.7% | $4,142-81.5% | $6,730-88.6% |
| Admin fee / account holder | $19,025 | $8,190+132.3% | $7,623+149.6% | $14,365+32.4% |