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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 | $24,128 | $165,381-85.4% | $149,730-83.9% | $158,966-84.8% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 20.26% | 348.29%-328.0pp | 276.70%-256.4pp | 302.95%-282.7pp |
| Employer contribution / active EE | $1,560 | $5,104-69.4% | $4,645-66.4% | $4,762-67.2% |
| Participant deferral / active EE | $2,185 | $7,182-69.6% | $6,843-68.1% | $5,983-63.5% |
| Admin fee / account holder | $2,280 | $10,809-78.9% | $9,310-75.5% | $11,250-79.7% |