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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 | $52,381 | $80,812-35.2% | $160,784-67.4% | $82,448-36.5% |
| Participation rate | 62.5% | 66.2%-3.7pp | 77.0%-14.5pp | 68.1%-5.6pp |
| Annual return | 18.99% | 100.59%-81.6pp | 1803.92%-1784.9pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,219 | $2,174-43.9% | $3,733-67.4% | $2,551-52.2% |
| Participant deferral / active EE | $891 | $4,335-79.5% | $6,293-85.8% | $4,139-78.5% |
| Admin fee / account holder | $1,963 | $7,695-74.5% | $9,717-79.8% | $7,234-72.9% |