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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 | $52,175 | $111,830-53.3% | $93,696-44.3% | $145,884-64.2% |
| Participation rate | 36.4% | 74.2%-37.9pp | 68.7%-32.4pp | 80.3%-43.9pp |
| Annual return | 9.40% | 204.08%-194.7pp | 133.74%-124.3pp | 551.85%-542.5pp |
| Employer contribution / active EE | $3,252 | $3,093+5.1% | $2,422+34.3% | $4,662-30.2% |
| Participant deferral / active EE | $219 | $4,920-95.5% | $4,417-95.0% | $6,690-96.7% |
| Admin fee / account holder | $1,121 | $10,249-89.1% | $8,287-86.5% | $13,392-91.6% |