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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 | $39,457 | $65,566-39.8% | $86,235-54.2% | $75,177-47.5% |
| Participation rate | 32.6% | 60.5%-27.9pp | 69.0%-36.4pp | 67.2%-34.6pp |
| Annual return | 19.04% | 46.07%-27.0pp | 1170.03%-1151.0pp | 160.75%-141.7pp |
| Employer contribution / active EE | $950 | $1,553-38.9% | $2,381-60.1% | $2,671-64.4% |
| Participant deferral / active EE | $621 | $3,023-79.4% | $3,987-84.4% | $4,126-84.9% |
| Admin fee / account holder | $335 | $5,470-93.9% | $6,856-95.1% | $5,651-94.1% |