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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 | $40,526 | $85,766-52.7% | $136,298-70.3% | $70,126-42.2% |
| Participation rate | 26.1% | 74.2%-48.0pp | 81.9%-55.8pp | 69.5%-43.4pp |
| Annual return | 60.18% | 31.46%+28.7pp | 5156.27%-5096.1pp | 73.15%-13.0pp |
| Employer contribution / active EE | $590 | $2,966-80.1% | $4,696-87.4% | $2,343-74.8% |
| Participant deferral / active EE | $545 | $5,051-89.2% | $6,247-91.3% | $3,332-83.6% |
| Admin fee / account holder | $1,218 | $5,421-77.5% | $9,244-86.8% | $4,645-73.8% |