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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 | $85,678 | $78,694+8.9% | $67,652+26.6% | $125,389-31.7% |
| Participation rate | 44.4% | 78.8%-34.4pp | 75.7%-31.2pp | 83.2%-38.7pp |
| Annual return | 514.42% | 9.46%+505.0pp | 6625.40%-6111.0pp | 282.24%+232.2pp |
| Employer contribution / active EE | $791 | $3,044-74.0% | $2,266-65.1% | $4,866-83.8% |
| Participant deferral / active EE | $923 | $4,292-78.5% | $3,560-74.1% | $5,352-82.8% |
| Admin fee / account holder | $423 | $7,403-94.3% | $4,821-91.2% | $9,541-95.6% |