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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 | $96,436 | $80,812+19.3% | $160,784-40.0% | $82,448+17.0% |
| Participation rate | 41.9% | 66.2%-24.3pp | 77.0%-35.0pp | 68.1%-26.1pp |
| Annual return | 16.31% | 100.59%-84.3pp | 1803.92%-1787.6pp | 41.64%-25.3pp |
| Employer contribution / active EE | $669 | $2,174-69.2% | $3,733-82.1% | $2,551-73.8% |
| Participant deferral / active EE | $1,239 | $4,335-71.4% | $6,293-80.3% | $4,139-70.1% |
| Admin fee / account holder | $39,881 | $7,695+418.3% | $9,717+310.4% | $7,234+451.3% |