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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 | $58,136 | $47,105+23.4% | $68,368-15.0% | $67,986-14.5% |
| Participation rate | 4.9% | 51.8%-46.8pp | 73.8%-68.8pp | 57.2%-52.3pp |
| Annual return | 30.66% | 48.37%-17.7pp | 292.57%-261.9pp | 31.67%-1.0pp |
| Employer contribution / active EE | $514 | $1,859-72.3% | $2,649-80.6% | $2,019-74.5% |
| Participant deferral / active EE | $91 | $2,374-96.2% | $4,123-97.8% | $3,358-97.3% |
| Admin fee / account holder | $504 | $2,435-79.3% | $5,150-90.2% | $3,203-84.3% |