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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 | $42,803 | $103,008-58.4% | $90,304-52.6% | $152,897-72.0% |
| Participation rate | 60.0% | 75.9%-15.9pp | 73.3%-13.3pp | 82.5%-22.5pp |
| Annual return | 46.92% | 95.22%-48.3pp | 78.13%-31.2pp | 345.43%-298.5pp |
| Employer contribution / active EE | $4,604 | $3,139+46.6% | $2,855+61.3% | $4,764-3.4% |
| Participant deferral / active EE | $157 | $4,281-96.3% | $3,885-96.0% | $5,851-97.3% |
| Admin fee / account holder | $532 | $6,175-91.4% | $5,354-90.1% | $11,599-95.4% |