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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 | $39,635 | $96,419-58.9% | $80,648-50.9% | $139,487-71.6% |
| Participation rate | 40.0% | 73.6%-33.6pp | 67.0%-27.0pp | 80.3%-40.3pp |
| Annual return | 14.89% | 1352.86%-1338.0pp | 937.21%-922.3pp | 373.84%-359.0pp |
| Employer contribution / active EE | $623 | $3,261-80.9% | $2,724-77.1% | $4,755-86.9% |
| Participant deferral / active EE | $744 | $5,225-85.8% | $4,443-83.3% | $6,713-88.9% |
| Admin fee / account holder | $742 | $6,605-88.8% | $5,382-86.2% | $11,407-93.5% |