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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 | $47,875 | $129,737-63.1% | $119,126-59.8% | $154,746-69.1% |
| Participation rate | 40.0% | 78.9%-38.9pp | 75.8%-35.8pp | 80.7%-40.7pp |
| Annual return | 11.68% | 379.08%-367.4pp | 282.11%-270.4pp | 172.34%-160.7pp |
| Employer contribution / active EE | $1,034 | $4,375-76.4% | $4,034-74.4% | $4,379-76.4% |
| Participant deferral / active EE | $1,549 | $5,842-73.5% | $5,318-70.9% | $6,730-77.0% |
| Admin fee / account holder | $32,218 | $11,961+169.4% | $10,693+201.3% | $14,365+124.3% |