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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 | $41,594 | $124,187-66.5% | $108,410-61.6% | $167,518-75.2% |
| Participation rate | 25.0% | 82.3%-57.3pp | 80.1%-55.1pp | 82.1%-57.1pp |
| Annual return | 12.76% | 1379.80%-1367.0pp | 905.34%-892.6pp | 478.71%-466.0pp |
| Employer contribution / active EE | $962 | $4,187-77.0% | $3,558-73.0% | $4,838-80.1% |
| Participant deferral / active EE | $1,291 | $6,908-81.3% | $6,562-80.3% | $6,342-79.6% |
| Admin fee / account holder | $34,313 | $9,456+262.9% | $7,296+370.3% | $12,312+178.7% |