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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 | $27,263 | $68,412-60.1% | $94,679-71.2% | $75,181-63.7% |
| Participation rate | 27.3% | 76.1%-48.8pp | 80.8%-53.6pp | 67.2%-39.9pp |
| Annual return | 18.62% | 616.91%-598.3pp | 156.75%-138.1pp | 160.69%-142.1pp |
| Employer contribution / active EE | $1,449 | $2,701-46.3% | $3,673-60.5% | $2,671-45.7% |
| Participant deferral / active EE | $2,073 | $6,537-68.3% | $7,417-72.1% | $4,126-49.8% |
| Admin fee / account holder | $917 | $5,326-82.8% | $7,233-87.3% | $5,650-83.8% |