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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 | $118,785 | $160,040-25.8% | $147,096-19.2% | $145,877-18.6% |
| Participation rate | 43.8% | 84.0%-40.3pp | 82.2%-38.4pp | 80.3%-36.6pp |
| Annual return | 12.51% | 98.49%-86.0pp | 419.75%-407.2pp | 551.28%-538.8pp |
| Employer contribution / active EE | $1,473 | $5,289-72.1% | $4,936-70.2% | $4,663-68.4% |
| Participant deferral / active EE | $2,315 | $8,429-72.5% | $8,071-71.3% | $6,691-65.4% |
| Admin fee / account holder | $62,369 | $15,050+314.4% | $13,005+379.6% | $13,402+365.4% |