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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 | $43,094 | $109,872-60.8% | $98,483-56.2% | $167,536-74.3% |
| Participation rate | 20.0% | 75.8%-55.8pp | 73.3%-53.3pp | 82.1%-62.1pp |
| Annual return | 16.39% | 1959.31%-1942.9pp | 1494.38%-1478.0pp | 478.82%-462.4pp |
| Employer contribution / active EE | $451 | $3,225-86.0% | $2,961-84.8% | $4,839-90.7% |
| Participant deferral / active EE | $588 | $4,673-87.4% | $4,276-86.2% | $6,342-90.7% |
| Admin fee / account holder | $10,078 | $6,757+49.1% | $5,953+69.3% | $12,315-18.2% |