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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 | $35,452 | $160,070-77.9% | $147,117-75.9% | $145,897-75.7% |
| Participation rate | 56.3% | 84.0%-27.8pp | 82.2%-25.9pp | 80.3%-24.1pp |
| Annual return | 10.74% | 98.69%-87.9pp | 420.54%-409.8pp | 552.29%-541.6pp |
| Employer contribution / active EE | $1,868 | $5,285-64.7% | $4,932-62.1% | $4,663-59.9% |
| Participant deferral / active EE | $1,916 | $8,419-77.2% | $8,065-76.2% | $6,689-71.4% |
| Admin fee / account holder | $2,202 | $15,035-85.4% | $12,993-83.1% | $13,390-83.6% |