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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 | $43,687 | $65,555-33.4% | $86,216-49.3% | $75,173-41.9% |
| Participation rate | 68.1% | 60.5%+7.6pp | 69.0%-0.8pp | 67.2%+0.9pp |
| Annual return | 13.95% | 46.07%-32.1pp | 1169.42%-1155.5pp | 160.72%-146.8pp |
| Employer contribution / active EE | $595 | $1,553-61.7% | $2,382-75.0% | $2,671-77.7% |
| Participant deferral / active EE | $1,184 | $3,023-60.8% | $3,986-70.3% | $4,126-71.3% |
| Admin fee / account holder | $10,611 | $5,469+94.0% | $6,853+54.8% | $5,651+87.8% |