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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 | $23,926 | $102,595-76.7% | $94,057-74.6% | $154,746-84.5% |
| Participation rate | 43.5% | 76.0%-32.5pp | 73.3%-29.9pp | 80.7%-37.2pp |
| Annual return | 64.86% | 583.42%-518.6pp | 480.62%-415.8pp | 172.34%-107.5pp |
| Employer contribution / active EE | $394 | $3,147-87.5% | $2,933-86.6% | $4,379-91.0% |
| Participant deferral / active EE | $1,062 | $5,118-79.3% | $4,709-77.5% | $6,730-84.2% |
| Admin fee / account holder | $1,599 | $7,736-79.3% | $7,244-77.9% | $14,365-88.9% |