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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 | $26,953 | $65,423-58.8% | $98,477-72.6% | $85,856-68.6% |
| Participation rate | 45.5% | 65.0%-19.6pp | 73.3%-27.9pp | 69.3%-23.9pp |
| Annual return | 12.71% | 21.76%-9.0pp | 1493.59%-1480.9pp | 318.58%-305.9pp |
| Employer contribution / active EE | $286 | $2,168-86.8% | $2,961-90.3% | $2,565-88.8% |
| Participant deferral / active EE | $660 | $3,167-79.2% | $4,276-84.6% | $3,952-83.3% |
| Admin fee / account holder | $921 | $4,594-79.9% | $5,951-84.5% | $6,261-85.3% |