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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 | $36,852 | $45,152-18.4% | $73,835-50.1% | $59,633-38.2% |
| Participation rate | 15.0% | 64.0%-49.0pp | 73.4%-58.4pp | 68.7%-53.7pp |
| Annual return | 1.42% | 27.40%-26.0pp | 2268.13%-2266.7pp | 2041.40%-2040.0pp |
| Employer contribution / active EE | $439 | $1,901-76.9% | $2,788-84.3% | $2,203-80.1% |
| Participant deferral / active EE | $296 | $2,573-88.5% | $3,583-91.7% | $3,192-90.7% |
| Admin fee / account holder | $4,032 | $3,515+14.7% | $4,880-17.4% | $4,297-6.2% |