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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 | $53,811 | $54,717-1.7% | $86,209-37.6% | $71,495-24.7% |
| Participation rate | 23.8% | 60.1%-36.3pp | 69.0%-45.2pp | 67.9%-44.1pp |
| Annual return | 22.28% | 20.07%+2.2pp | 1169.05%-1146.8pp | 28.85%-6.6pp |
| Employer contribution / active EE | $402 | $1,267-68.3% | $2,381-83.1% | $2,589-84.5% |
| Participant deferral / active EE | $1,130 | $3,110-63.7% | $3,986-71.7% | $4,291-73.7% |
| Admin fee / account holder | $1,143 | $1,922-40.5% | $6,853-83.3% | $1,588-28.0% |