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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 | $42,904 | $157,296-72.7% | $141,191-69.6% | $152,897-71.9% |
| Participation rate | 40.0% | 84.8%-44.8pp | 82.5%-42.5pp | 82.5%-42.5pp |
| Annual return | 18.50% | 64.34%-45.8pp | 71.41%-52.9pp | 345.43%-326.9pp |
| Employer contribution / active EE | $5,138 | $5,262-2.4% | $4,736+8.5% | $4,764+7.9% |
| Participant deferral / active EE | $184 | $7,111-97.4% | $6,710-97.3% | $5,851-96.9% |
| Admin fee / account holder | $1,286 | $12,125-89.4% | $10,264-87.5% | $11,599-88.9% |