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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 | $39,811 | $101,672-60.8% | $147,117-72.9% | $74,478-46.5% |
| Participation rate | 34.5% | 75.5%-41.0pp | 82.2%-47.7pp | 67.2%-32.7pp |
| Annual return | 14.82% | 8757.83%-8743.0pp | 420.54%-405.7pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $2,250 | $3,813-41.0% | $4,932-54.4% | $2,626-14.3% |
| Participant deferral / active EE | $3,082 | $7,305-57.8% | $8,065-61.8% | $4,350-29.2% |
| Admin fee / account holder | $1,025 | $1,753-41.5% | $12,993-92.1% | $1,946-47.3% |