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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 | $31,336 | $77,908-59.8% | $149,696-79.1% | $75,173-58.3% |
| Participation rate | 20.0% | 65.6%-45.6pp | 78.8%-58.8pp | 67.2%-47.2pp |
| Annual return | 19.73% | 31.73%-12.0pp | 134.46%-114.7pp | 160.72%-141.0pp |
| Employer contribution / active EE | $626 | $3,138-80.1% | $4,821-87.0% | $2,671-76.6% |
| Participant deferral / active EE | $776 | $3,411-77.3% | $5,682-86.3% | $4,126-81.2% |
| Admin fee / account holder | $1,451 | $5,950-75.6% | $13,212-89.0% | $5,651-74.3% |