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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 | $85,818 | $76,634+12.0% | $56,054+53.1% | $145,978-41.2% |
| Participation rate | 47.1% | 63.2%-16.2pp | 52.5%-5.4pp | 80.3%-33.2pp |
| Annual return | 19.10% | 3004.33%-2985.2pp | 1705.95%-1686.8pp | 550.52%-531.4pp |
| Employer contribution / active EE | $18,652 | $1,380+1251.4% | $1,039+1695.2% | $4,662+300.1% |
| Participant deferral / active EE | $0 | $2,622-100.0% | $1,952-100.0% | $6,690-100.0% |
| Admin fee / account holder | $429 | $3,321-87.1% | $2,822-84.8% | $13,400-96.8% |